vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
What Happened I am a victim of identity theft. My credit reports contain fraudulent inquiries and accounts that I did not authorize or open. 
On XXXX XXXX XXXX  multiple unauthorized credit inquiries appeared on my reports, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition, an unauthorized inquiry from People Facts was placed on XX/XX/XXXX. 
Fraudulent accounts were also opened in my name, including : XXXXXXXX XXXX XXXX Loan Installment account, balance {$7900.00}, opened XX/XX/XXXX ( repossession ). 
XXXX XXXX account, balance {$2600.00}, opened XX/XX/XXXX. 
XXXX XXXX account, balance {$790.00}, opened XX/XX/XXXX. 
I did not apply for, authorize, or benefit from any of these accounts or inquiries. I discovered these items in XXXX and filed an FTC Identity Theft Report ( Report # XXXX ) on XX/XX/XXXX. 
Actions Taken I filed a formal FTC Identity Theft Report and provided it to the credit bureaus. 
I submitted written disputes to Experian, Equifax, and TransUnion demanding deletion of the fraudulent items. 
I requested that the credit bureaus block the fraudulent accounts and inquiries as required under the Fair Credit Reporting Act ( FCRA ). 
Violations Failure to block or remove these fraudulent items is a violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires blocking of identity theft information within 4 business days.

FCRA 609 ( 15 U.S.C. 1681g ) : Right to disclosure of file information.

FCRA 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and have it investigated.

FCRA 616617 : Liability for willful or negligent noncompliance with the FCRA.

I request immediate deletion of these fraudulent inquiries and accounts and written confirmation of the corrections within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the Equifax 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 : XXXX Date : XXXXXXXX XXXX  Date : XXXX 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 US 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
Called on XX/XX/year> at XXXX. 
Calling over XXXX cents. Really didnt feel the need to reply or answer over XXXX cents. They also sent an email telling me they are going to report the account as delinquent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a known victim of identity theft. I found out a few months ago and have worked tirelessly to remove all of the information that the thieves opened except that TU is giving me ma really hard time about removing an account opened by the thieves and a 3rd party collection that is form one of the accounts I already removed. I am not sure how they even put that on my credit, knowing it was fraud. There are also a lot of addresses and misspelling of my names. I have sent the paper work to them over and over and over and they continue to ignore me.

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 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
XX/XX/year> My loan payment s due the XXXXXXXX XXXX XXXX XXXX. One Main Financial is the lender. I'm a little bit late but I have never missed a payment or been 30 days late. The loan office is in New York, I received a phone call from a Girl named XXXX who apparently works out of the XXXX PA office, my loan is thru the XXXX  NY office. I have never met said XXXX or have I ever given her my personal phone number or permission to contact me. She has XXXX phone etiquette and or phone skills she is lacking in these areas. She is very rude, mean and degrading I feel she is stero typing me and being racist to me. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-09-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had applied for a credit card with my bank in XXXX of this year. It was denied due to Equifax claiming that I had multiple accounts and had filed for bankruptcy ; both of which are wrong. I contacted all three credit bureaus to check for fraudulent activity. Equifax claimed it was unable to pull up my file, howver the others were able to viwe my information just fine. It turned out my ssn was recorded incorrectly with both dredit bureaus. So at the beginning of XXXX I sent out the necessary documents to each one in order to fix the error. XXXX  and XXXX  were able to fix it no problem. However, Equifax is still unable to pull up my file and states they never recieved the necessary documents I'd sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 2025-09-04 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 2025-09-04 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: Experian Information Solutions Inc.
State: GA

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 : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5800.00} 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 US 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 2025-09-04 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: GA

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$3000.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$4300.00} 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, XXXX as proof from the US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Subject : Complaint Regarding Harassment by Credence Resource Management for XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally file a complaint regarding repeated and unjustified collection attempts by Credence Resource Management concerning my account with XXXX XXXX. 

My XXXX XXXX account was paid in full on XX/XX/year>, and all equipment was returned on XX/XX/year>, per XXXX instructions. I have proof of both the payment and the equipment return. Despite this, Credence Resource Management has been contacting me and attempting to collect on a balance that does not exist.

These repeated calls and collection attempts are harassing, inaccurate, and in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the collection of debts that are not owed.

I am requesting that : 1. Credence Resource Management immediately cease all collection activity on this account. 
XXXX. XXXX XXXX update its records and notify all third-party collectors that this account is paid in full.

3. Any negative credit reporting related to this alleged debt be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I made a transaction with XXXX online using my Paypal Debit Card/Balance for {$360.00} ; however, the transaction was immediately canceled and there was a 10 day authorization hold placed on the funds that were supposed to be released in 10 business days. Today is the 11th business day and I still have no funds. I have called Paypal and XXXX who both keep redirecting me with no resolution. Paypal says they've had no communication from XXXX or Authorization that the transaction was canceled. XXXX says only the bank can release the hold and that the funds were never taken from them and they should be released the 10th business day automatically. I've sent Paypal proof that the order was canceled. The funds were put on hold by them from my Paypal balance so they are 100 % responsible and continue to place the blame on XXXX even though ive sent them proof of the canceled order. Ive asked to speak to a supervisor but im just placed on hold and told that the supervicsor is going to say the same thing. XXXX has sent the issue to their billing department and have been more willing to help than Paypal who is responsible for releasing my funds which they say they won't do until XX/XX/XXXX which is absolutley not okay. I need my money that they have on hold and I know it can be manually released but they refuse to do it or help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
TRANSWORLD SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns. 
I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law. 
This is your final opportunity to comply before further action is taken.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
While my account with SECU correctly shows the open date, the overall credit age on my report is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TN

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to Equifax regarding inaccurate late payment reporting on my credit file for my XXXX XXXX  account. Despite my timely payments, Equifax is reporting a late payment for XX/XX/year>. This reporting is inaccurate, incomplete, and unverifiable. Details of the Dispute : The account in question is reported by Equifax with a derogatory late payment notation that is not supported by my payment history. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation of any disputed information.

Additionally, under 15 U.S.C. 1666b, creditors are prohibited from assessing late fees or reporting late payments if proper billing and notice were not provided within the required timeframe.

Company response to consumer: Closed with non-monetary relief