vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: NJ

Complaint narrative:
XXXX reported account 30 days past due in XX/XX/year>. Payment was made XX/XX/year>. I have provided statement as proof of payment.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report.

I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-08-25 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: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-08-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There is an inquiry on my credit report that I do not recognize. I did not authorize this company, nor did I provide consent for them to access my credit report or submit an application. This has caused me unnecessary XXXX  and XXXX, and I am concerned about how and why this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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.

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 explanation
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine XXXXXXXX XXXX XXXX XXXX - Account not mine

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 2025-08-25 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/XXXX Date : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$63000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence serves as a dispute regarding a fraudulent account listed under my identity. I never authorized, opened, or used this account. Its presence is entirely false and is causing significant harm to my credit report and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I took out a XXXX loan with money lions XXXX XXXX plan. you get XXXX up front then pay off the loan to get the rest of the XXXX. XXXX side this you are signedup for a membership with weekly fees. Now im told i cant cancel the membership for 2 months after starting it even if i pay off the loan. JUNK FEES. I have a card that is through coinbase. I have plenty of money to pay off the rest of the XXXX i got and then use the reserve ( the rest of the XXXX ) to pay off the loan. However they will not allow me to use the coinbase card even though other establishment do. It works like a debit card. This is no different than pay the city in XXXX. MONEY IS MONEY. They refuse to accept my money. I refuse to give them access to another bank account of mine considering they already have XXXX XXXX and wont allow me to remove them from my account until there is no pending charge. The issue is they have stuff pend for 3-5 days currently i the payment will pend until the XX/XX/year> however it will be charged again on the XXXX per their support staff. So where is the time frame to cancel this? if its pending until the XXXX and i cant cancel when its pending and i will be charged again on the XXXX creating another pending charge when do i have a sec to even cancel this? Im not transferring money from my coinbase to then pay through a bank account because i am not giving money lion access to another bank account when they are hold XXXX XXXX already. Either money lion wants to be paid or they dont.

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 2025-08-25 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: MI

Complaint narrative:
On XX/XX/year>, I sent a letter disputing inaccurate and unknown items on my credit report. It has now been over 80 days, and I have not received a response. I feel as though I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) ( 1 ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within the required 30 days is grounds for their immediate removal from my credit report. Since more than 50 days have passed without a response, these accounts should be promptly deleted. The continued inaction has caused me unnecessary stress. Additionally, my personal information was compromised in the Equifax data breach, and it is possible that these accounts were opened by the wrong person using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On or around XX/XX/year>, I submitted a formal enforcement package via USPS Certified Mail to TransUnion, disputing multiple unauthorized hard inquiries and demanding removal per FCRA, TILA, and UCC statutes. These inquiries were made without my consent, prior notice, permissible purpose, or benefit to me. I requested full disclosure, proof of authorization, permissible purpose, and investigation logs. To date, TransUnion has failed to validate or remove the inquiries. This is a continued violation of federal consumer protection laws. I am requesting immediate action and written verification.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report. According to my recent XXXX credit report ( dated XX/XX/year> ), the following account contains errors and must be investigated : Creditor : Discover Card Account Number : XXXX Reported Status : Charge-Off Balance Reported : {$2100.00} This account is being reported inaccurately. I request validation of this account, including a copy of the signed contract and a full payment history. If the account can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ), it must be deleted from my credit file. 

Please conduct an investigation and provide me with the results in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXAttn: Customer Relations Department\XXXX XXXX XXXXTo Whom It May Concern,XXXXI am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.XXXXFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts were impacted by several data breaches that resulted in changing of my account history i demand full compliance according the FCRA.\XXXXI request pursuant to FCRA subsection 605b (15 U.S.C 1681 c-2) that you credit XXXX1. Violation of 15 U.S.C.  1681e(b):XXXXUnder this provision, credit reporting agencies are required to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the information reported in my credit file is clearly inaccurate and has not been verified as required by law. I demand an immediate investigation into this matter and the removal of the erroneous information.XXXX2. Violation of 15 U.S.C.  1681i:\XXXXThis section mandates that, upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information. I have already notified you of this dispute, but the investigation conducted was neither thorough nor adequate. The results provided to me were unsatisfactory and do not reflect a genuine effort to verify the disputed informationXXXX light of these violations, I am requesting the following actions be taken immediately:XXXXPrompt Removal, Remove the inaccurate information from my credit report to reflect accurate and truthful data.XXXXConfirmation of Action Taken: Provide written confirmation of the actions taken to address this dispute, including details of the investigation and any corrections made.XXXXDocumentation: Send me a copy of the updated credit report reflecting the changes made as a result of this dispute.\XXXXFailure to resolve this issue promptly will leave me with no choice but to escalate the matter through regulatory agencies or legal channels to ensure compliance with the FCRA and protect my rights.'

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 2025-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: AL

Complaint narrative:
I am disputing Sallie Maes inaccurate reporting of a 60-day delinquency on my student loan ending in XXXX. 
Sallie Mae notified me on XX/XX/XXXX that my Rate Reduction Program would end in about 30 days. Since XX/XX/XXXXXXXX  had 29 days ( leap year ), the program ended on XX/XX/XXXXXXXX 
On XX/XX/XXXX, I made a {$70.00} payment after the program ended, which should have been applied to my XX/XX/XXXX contractual due date of {$150.00}. 
I also made payments of {$70.00} on XX/XX/XXXX and {$65.00} on XX/XX/XXXX ( on another loan ). Under Sallie Maes underpayment allocation policy, those payments should have been applied first to my oldest delinquency ( Loan XXXX ). 
Finally, on XX/XX/XXXX, I made a full payment of {$150.00} on XXXX XXXX. 
Despite this consistent activity, Sallie Mae reported me as 60 days late in XX/XX/XXXX. This is inaccurate and misleading because : My XXXX payment should have counted toward XXXX due bill. 
Payments on XX/XX/XXXX and XXXX should have been redirected to XXXX XXXX, not applied elsewhere. 
At no point did I go 60 consecutive days without making payments. 
This misreporting has caused serious harm to my credit and financial situation. I am requesting that the 60-day delinquency be removed from my credit reports and that Sallie Mae correct its reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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