vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX PERSONAL INFO : XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2025-04-25 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:
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. 

XXXX - XXXX List of Unauthorized Inquiries : 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 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 2025-04-25 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:
Someone is exploiting my information everywhere nationwide I cant open a bank account my credit report is frozen I just had it unfrozen I most likely need to change or obtain a new SS #. ( Social Security ) I have a list of fake XXXX numbers in my name someone created XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-26 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Global Lending Services LLC
State: FL

Complaint narrative:
On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conducted an inquirys into my personal information without my authorization or prior consent. I did not initiate any contact or business with this company and have no reason to believe they should be accessing my data.I would like this removed immediately thank you for your time & consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MI

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-25 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MI

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 2025-04-25 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:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are XXXX fraudulent accounts and XXXX unauthorized credit inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be immediately investigated, verified, and removed from my credit file. 

Details of the Dispute : I am disputing the following items on my credit report, which I believe were the result of identity theft : Fraudulent Accounts : XXXX. XXXX XXXX Account # XXXX | Opened : XX/XX/XXXX | Balance : {$1400.00} XXXX. Dept of ED/XXXX  Account # XXXX | Opened : XX/XX/XXXX | Balance : {$8500.00} Fraudulent Credit Inquiries ( XXXX Total ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX These accounts and inquiries are not mine. I did not authorize them, nor have I given permission for anyone else to apply for credit on my behalf. They were fraudulently initiated using my stolen personal information. 

Formal Request for Investigation and Debt Verification : Under FCRA XXXX ( XXXX U.S.C. XXXX ), I am requesting that the credit reporting agencies immediately block and delete the above items. 
Under FCRA XXXX ( XXXX XXXX. XXXX ), I request debt verification for the XXXX accounts. If the furnishers can not provide legitimate, signed documentation proving I authorized these accounts, they must be permanently removed. 

Compensation for False Verification : As stated in XXXX XXXX XXXX XXXX XXXX XXXX  ), I am entitled to {$1000.00} per violation if any of these items are falsely verified as valid. 

Supporting Documentation : Identity theft report ( police & FTC affidavit ) Government-issued photo ID Requested Actions : XXXX. Immediate removal of the XXXX fraudulent accounts and XXXX inquiries XXXX. Debt verification for disputed accounts XXXX. Written confirmation that all items have been deleted XXXX. Notification to furnishers to stop reporting unverifiable information XXXX. Updated copy of my credit report reflecting all corrections I expect confirmation in writing that this request has been processed in compliance with the FCRA. Failure to comply may result in further legal action.

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 2025-04-25 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are XXXX fraudulent accounts and XXXX unauthorized credit inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be immediately investigated, verified, and removed from my credit file. 

Details of the Dispute : I am disputing the following items on my credit report, which I believe were the result of identity theft : Fraudulent Accounts : XXXX. XXXX XXXX Account # XXXX | Opened : XX/XX/XXXX | Balance : {$1400.00} XXXX. Dept of ED/XXXX  Account # XXXX | Opened : XX/XX/XXXX | Balance : {$8500.00} Fraudulent Credit Inquiries ( XXXX Total ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX These accounts and inquiries are not mine. I did not authorize them, nor have I given permission for anyone else to apply for credit on my behalf. They were fraudulently initiated using my stolen personal information. 

Formal Request for Investigation and Debt Verification : Under FCRA XXXX ( XXXX U.S.C. XXXX ), I am requesting that the credit reporting agencies immediately block and delete the above items. 
Under FCRA XXXX ( XXXX XXXX. XXXX ), I request debt verification for the XXXX accounts. If the furnishers can not provide legitimate, signed documentation proving I authorized these accounts, they must be permanently removed. 

Compensation for False Verification : As stated in XXXX XXXX XXXX XXXX XXXX XXXX  ), I am entitled to {$1000.00} per violation if any of these items are falsely verified as valid. 

Supporting Documentation : Identity theft report ( police & FTC affidavit ) Government-issued photo ID Requested Actions : XXXX. Immediate removal of the XXXX fraudulent accounts and XXXX inquiries XXXX. Debt verification for disputed accounts XXXX. Written confirmation that all items have been deleted XXXX. Notification to furnishers to stop reporting unverifiable information XXXX. Updated copy of my credit report reflecting all corrections I expect confirmation in writing that this request has been processed in compliance with the FCRA. Failure to comply may result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. The fraudulent inquiries I have found : 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 XXXXXXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-04-25 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my Experian, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to 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 non-monetary relief
Consumer complaint received 2025-04-25 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX, ca XXXX Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Dear Experian, Transunion & Equifax , I am writing to formally dispute a late payment with XXXX XXXX XXXX account number XXXX Open Date XX/XX/XXXX Balance of {$310.00}! This is more of s good will dispute to get the late payment changed to good standings. During this time I was dealing with some medical issues which were not allowing me to work. I got some lates on my mortgage around this time as well that are being disputed as well. I am an older hard working law abiding citizen who defied the odds of being the first home owner in my family. I am currently dealing with a slight touch of XXXX which could have contributed to this payment being late. I kindly ask that this late payment in XX/XX/XXXX be changed to never late.I am referencing The spirit of the fair credit reporting act, FCRA specifically section XXXX ( XXXX XXXX code {$1600.00}, ) which calls for the fair and respectful treatment of consumers credit information. If I may ad XXXX U.S.C XXXX ( XXXX ) FCRA XXXX ( XXXX U.S.C. XXXX ( XXXX ) FCRA XXXX ( XXXX XXXX. XXXX XXXX. This late payment may have been listed in error and was beyond my control, and XXXX request that it it fixed to never late. FCRA XXXX XXXX XXXX ( d ) ( XXXX ) ( a ) ( I ) Definitions : rules of construction Exclusions says ; I am suppose to be given a opportunity to opt out of information being reported to my credit report, and I was never given that opportunity nor was I made aware that I could by the reporting agencies which is illegal by the standards of what congress wrote into the consumer law as you can see if you read it that way being these FCRA codes are written very vaguely. XXXX XXXX says that these financial institutions are suppose to protect my personal information continuously to keep confidentiality meaning they dont even got the right to report things onto my consumer report if I dont give them permission to and as in this case I didnt. At the end of the day it is against the law to do so hey but Im not filing a lawsuit or anything as I have full confidence that the credit agencies will correct these things in a expedited timely manner as I am trying to use my credit to pull home equity from my home to expand my business landscaping from the heart so I can do more supervising then back breaking work. I am pushing XXXX so Im no longer a spring chicken. I have done the right thing and out of good will I am asking for some relief with this matter. 

Company Nmae : XXXX XXXX XXXX Account Number : XXXX Open date : XX/XX/XXXX Amount owed : {$310.00} Late date to be corrected and changed from late to never late : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief