vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Reporting ads Charge Off not accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX  Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that have been reported on my Experian credit file. I reviewed my report and found multiple hard inquiries that I did not initiate or authorize. 

Below are the inquiries in question : 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 According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit written permission are allowed to appear on my credit file. Since I did not authorize these inquiries, I am requesting that they be removed immediately. 

Please initiate an investigation into each of the above-listed inquiries and remove them if the inquirers are unable to provide documented proof of my authorization. 

Attached are copies of my identification and a copy of my credit report highlighting the disputed inquiries. 

I appreciate your prompt attention to this matter and request a written response upon completion of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX  Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that have been reported on my Experian credit file. I reviewed my report and found multiple hard inquiries that I did not initiate or authorize. 

Below are the inquiries in question : 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 According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit written permission are allowed to appear on my credit file. Since I did not authorize these inquiries, I am requesting that they be removed immediately. 

Please initiate an investigation into each of the above-listed inquiries and remove them if the inquirers are unable to provide documented proof of my authorization. 

Attached are copies of my identification and a copy of my credit report highlighting the disputed inquiries. 

I appreciate your prompt attention to this matter and request a written response upon completion of your investigation. 

Sincerely, 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 2025-07-22 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 disputed XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I am filing a complaint against my auto loan company due to poor communication, unethical billing practices, and suspected discrepancies in my purchase and loan agreements that may involve fraud.

On XX/XX/XXXX, I contacted the company to request a payment extension for my upcoming XX/XX/XXXX due date. Despite my early outreach, the company did not respond until XX/XX/XXXX, well after the due date had passed. The extension was requested on XX/XX/XXXX and approved on XX/XX/XXXX, which pushed my payment due date to XX/XX/XXXX. 

Despite the extension approval, the company applied a late fee to my account. This is unfair and unethical, as their delaynot my inactioncaused the late payment. I acted in good faith and should not be penalized for their failure to respond in a timely manner. 

Additionally, I have recently discovered discrepancies between the purchase agreements provided by the car seller and the loan company. These inconsistencies raise serious concerns about how the loan was originated. I believe that fraud may have been committed during the financing process, and I am formally requesting that this matter be escalated to the fraud audit or compliance team for investigation.

I do not believe I should be held financially responsible for a loan that may have been obtained through fraudulent or misleading practices, and I am seeking a thorough review of the documents and loan origination process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
my information was compromised and exposed illegally to third parties in the XXXX  data breach. This issue has caused my credit score to be impacted negatively as fraudulent accounts were opened in my name. The fraudulent accounts are, XXXX XXXX  XXXX {$340.00}, XXXX XXXX  rooms to go {$3400.00}, XXXX XXXX  XXXX  {$2000.00}, XXXX XXXX XXXX XXXX {$2200.00}, XXXX XXXX  XXXX  {$3100.00}, XXXX XXXX XXXX {$540.00}, XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$540.00}, XXXX XXXX {$2200.00}, XXXXXXXX XXXX XXXX XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MoneyLion Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and discovered a charge-off listed by MoneyLion Inc. for account number ending in XXXX. The status is marked as Charged off by account provider, with the last payment dated XX/XX/XXXX. 
I do not recognize this account as valid, nor do I recall authorizing any financial activity with MoneyLion Inc. around that time. I believe this entry may be inaccurate or potentially fraudulent. I have not received any prior communication from MoneyLion regarding this debt, nor was I given an opportunity to validate or dispute it before it appeared on my credit report. 
On XX/XX/XXXX, I contacted MoneyLion Inc. directly to request verification of the debt and supporting documentation. As of today, I have not received a response or any evidence confirming the legitimacy of the account.

I am requesting a formal investigation into this matter. If MoneyLion can not verify the debt with proper documentation, I ask that this charge-off be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that unverifiable or inaccurate information be deleted.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-22 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I received a letter from " Blitt and Gaines , PC '' on XX/XX/XXXX alleging that I owed a debt to " XXXX XXXX '' which was originally issued by " XXXX  '' on XX/XX/XXXX. I sent a letter back to " Blitt and Gaines , PC '' on XX/XX/XXXX informing them that the debt was not mine and requested all information regarding the alleged debt. " Blitt and Gaines , PC '' complied with my request for verification and on XX/XX/XXXX they sent me all information regarding the alleged debt, but they re-iterated that they were attempting to collect upon the debt. I replied back to " Blitt and Gaines , PC '' that upon sending the information for verification I had reviewed the information, and identified multiple factual discrepancies and omissions, such as my social security number, phone number, e-mail address, bank account information, and signature. I replied informing them that I was not the person who took out the debt and their information contained multiple factual errors and re-iterated that I was not the person who took out the debt as well as my demand they cease attempts to collect the debt. I received a reply from " Blitt and Gaines , PC '' on XX/XX/XXXX acknowledging that they received my statement declaring the mistaken identity and demand to stop attempts to collect the debt. Much to my surprise, months later I started receiving unsolicited letters from multiple attorneys with whom I had never been in previous contact, each letter telling me that I was being sued by " Blitt and Gaines , PC '' for non-payment of the debt ; the very same debt which I had already disputed and was already acknowledged to have been disputed. Using the court filings mentioned in the unsolicited letters from uncontacted attorneys, I was able to see that " Blitt and Gaines , PC '' had attempted to file a lawsuit against me using a social security which was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit experian permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights. Please remove this account from my report. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/year>

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 2025-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2025, I had got a copy of my credit report and saying that there was a lot of an accurate information that did not belong to me. I recently discovered I was a victim of identity that during this time I have reported this problem to the local authorities in XXXX XXXX and I sent to the FTC which I have a reference number for. XXXX. I have been getting phone calls from unknown sources trying to work with the companies, but they are not working with me.We discovered it was my ex stepfather and he used mine and my moms name. We are prosecuting this to the full extent of the law. We wish to have the information deleted and removed from the report .. there are several inquiries. I will list them below. There is a collection account on a utility company. Also that does not belong to me. The inquiries are one 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 auto finance Leasing desk XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all three of my reports. There is also a collection account from XXXX and associates from XXXX, Indiana in regards of XXXX XXXX  account number ending in XXXX for the amount of {$460.00} that does not belong to me. I reached out to this company last month. I have yet to hear back from them. I also have been getting collection calls from spectrum I have let them know that it does not belong to me. They have yet failed to send me any information on the address to where the services was used or any information towards it.

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 2025-07-22 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-22 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: GA

Complaint narrative:
I am a victim of identity theft. My credit report includes accounts and inquiries I did not authorize. These items are fraudulent and should not be associated with me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these items be blocked and removed. Ive attached a list of the disputed entries and my FTC Identity Theft Report.

Please confirm once these items have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation