vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
They called my ex husband and my daughter sayin they are trying to locate me. They also called me. When I spoke to them, they pretended to be an attorney and say that they want to take me to court and theres a court case against me and I asked for more information about the debt and they told me that I would have to wait until the process server a.k.a. the locator reached out to me. The phone number for the locator is XXXX. This is the one that keeps calling my ex husband and my daughter the companies name the company that I called regarding this is XXXX who says that their attorneys and are going to sue me in court, but wont give me any information about the debt the case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-06-26 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and is a direct result of unauthorized use of my identity. 

Let me be absolutely clear : I did not apply for, open, or authorize this account in any way, shape, or form. I have no affiliation with the company behind it, and Ive never had any communication or relationship with them. The presence of this account on my credit file is the result of identity theft plain and simple and it is both inaccurate and damaging.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice and formal challenge regarding the continued reporting of the following accounts. These claims are being reported without verified evidence, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines issued by the Consumer Data Industry Association ( CDIA ).

According to the CDIA 's 2020 Credit Reporting Resource Guide ( CRRG ), ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. Your failure to meet the minimum compliance and factual accuracy standards as required by federal law and Metro 2 format means these accounts must be permanently DELETED.

I demand that you immediately DELETE all claims listed below that lack full documentation, original signatures, and proof of accurate reporting, or that fail to meet Metro 2 formatting and data integrity rules. 

Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LEGAL BASIS : Und

er 15 U.S. Code 1681i, you are required to conduct a reasonable reinvestigation of any item disputed. You must also comply with FCRA 1681e ( b ) and Metro 2 Format standards, which mandate maximum possible accuracy. Any account that lacks : Date of first delinquency Original documentation Permissible purpose Chain of custody and account ownership Legally admissible proof of debt must be DELETED, not updated or corrected.

I also demand a notarized affidavit from an individual with firsthand knowledge of each alleged debt, confirming that it : Was not disputed due to defective goods or services Was never claimed as a tax write-off Was never submitted as an insurance loss You have 7 days from receipt of this notice to comply. If you fail to respond with verifiable evidence and full Metro 2 compliant documentation, I will proceed with formal complaints to the CFPB, FTC, and state regulators, and initiate legal action for willful noncompliance under FCRA 1681n.

You are hereby advised to delete these unverifiable claims immediately.

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 2025-06-26 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: NC

Complaint narrative:
On XX/XX/year>, I lifted a freeze on my Equifax credit file so that my lender could run my credit report as a time-sensitive loan refinance process. Equifax 's system confirmed that my file was unfrozen, and I verified it this with a representative the same day. However, my lender was still unable to access my credit file. On XX/XX/year> my lender was still unable to retrieve my credit file. I contacted Equifax again on XX/XX/XXXX and XX/XX/XXXX, and spoke with multiple representatives. One stated that there was no issue ; another later revealed there was an " internal block '' on my file. I was never notified about this block, never initiated it, and was not given prior indication that my file had additional restrictions beyond the temporary freeze I had placed ( and removed ). 

Despite confirming my identity through their online system when calling, Equifax is now requiring me to mail physical copies of my Social Security Card, photo ID, and proof of address to verify my identity before removing this internal block. This is unacceptable in XXXX especially when the issue is caused by Equifax 's own internal flag and not a request or error on my part. 

I was not offered an electronic upload or secure link, and my ability to complete a refinance is being seriously delayed due to Equifax 's failure to maintain or release my credit file properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: RI

Complaint narrative:
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!

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 2025-06-26 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
It was brought to my attention that I had a credit card on my credit report that I never opened XX/XX/year>. Since then I have reached out several times to try and resolve the issue. After reaching out I discovered that this person opened a checking, savings, and credit card all at the same time and added themselves as an authorized user. This person has impersonated me across a variety of settings. Every time I reach out I am told something different. Ive filed 2 appeals to date and made a formal police report and included that information with the second appeal. The company initially told me that I can put on the appeal that I would like them to send me the documents submitted on my behalf then later told me that they would not send me any of the requested information unless they are supenaed. The company has not provided me with ANY updates throughout the process except for when I call and ask. The company has confirmed each time that the address they have on file is not the one Im providing them and tried to claim that was why I wasnt getting any correspondence, however, I have received payment requests in the mail. Despite initiating the fraud case at the beginning of XX/XX/year> I discovered during one interaction with a representative that a new credit card was mailed out after they began their investigation. I have already provided the name and phone number for the person that opened the accounts in my name. I am a victim of XXXX XXXXXXXX. This person has been XXXX me, XXXX  me with XXXX XXXX and gestures, XXXX, and financially XXXX  me for years. They have amassed more than $ XXXX of debt I in my name. I am in the process of trying to sue them to get my life back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
* * XX/XX/XXXX * * After numerous attempts to resolve this matter, a thorough investigation never took place to make the corrections to my credit report, seriously delaying the purchase of my first home. Please make the proper corrections to my consumer report. 

* * Full Name * * : XXXX XXXX XXXX XXXX. 
* * Date of Birth * * : XX/XX/XXXX * * Social Security Number * * : XXXX * * Address * * : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX AZ XXXX * * Phone Number * * : XXXX * * Email Address * * : XXXX * * To Whom It May Concern, * * This letter serves as my formal written statement in support of my identity theft case, which has already been reported. I am submitting this documentation as required under Section 605B of the Fair Credit Reporting Act to request the removal or blocking of fraudulent accounts and unauthorized inquiries from my credit file. 

# # # Fraudulent Accounts 1. * * Creditor/Company * * : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$720.00} Description : Credit card account 2. * * Creditor/Company * * : XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} Description : Revolving credit account # # # Unauthorized Inquiries 1. * * XXXX XXXX * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX XXXX. * * XXXX XXXXXXXX XXXX  ( XXXX ) * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX XXXX. * * SXXXX * * XX/XX/XXXX XXXX. * * XXXX  * * XX/XX/XXXX XXXX. * * XXXXXXXX XXXX XXXX  ( XXXX ) * * XX/XX/XXXX XXXX. * * XXXX XXXX XXXX XXXX * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX I did not authorize these accounts or inquiries. They are the result of identity theft and must be removed or blocked from my credit reports. 

Attached is supporting documentation, including my lease agreement, a copy of my government-issued ID, and a recent utility bill as proof of identity and address. 

# # # Please ensure removal from the records of : - Experian - Equifax - TransUnion XXXX Consumer Financial Protection Bureau ( for documentation and complaint resolution ) Thank you for your assistance in helping to correct my credit records and protect my identity. 

Sincerely, * * 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 2025-06-26 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: PA

Complaint narrative:
I am disputing the reporting of a XXXX XXXX installment loan ( Account # : XXXX ) that shows multiple inaccuracies on my credit reports. The account was opened on XX/XX/XXXX, and is currently reported as charged off by all three credit bureaus ( TransUnion, XXXX XXXX XXXX  ), with a balance of {$9000.00}. 

However, the following issues exist : Late payments are reported after the charge-off ( from XXXX through XX/XX/XXXX ), which is misleading and potentially a violation of the Fair Credit Reporting Act ( FCRA ). Once an account is charged off, new delinquencies should not continue to be added. 

The delinquency timeline appears too early and aggressive. The account was opened in XX/XX/XXXX, but is reported as being XXXX days late by XX/XX/XXXX and XXXX days late by XX/XX/XXXX. This suggests missed payments just weeks after origination, which seems questionable and may be inaccurate. 

There are inconsistencies between the credit bureaus, with some reporting profit and loss write-off, charge-off, and " CO '' or XXXX days differentlyviolating FCRAs requirement for accurate and consistent information across agencies. 

I never received proper notice of the charge-off or validation of the debt, and I believe the balance reported may not be accurate or verified.

These issues are harming my credit score unfairly and may represent violations of FCRA 1681e ( b ), 1681s-2, and 1681i, which require accurate, verifiable, and fair credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-26 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: MI

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-26 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: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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