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

Complaint narrative:
For over five months, I have been disputing two accounts that do not belong to me : XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX, which is a joint account I am not a party to, and XXXXXXXX XXXX XXXX XXXXccount number XXXX, of which I have no knowledge. I previously filed an FTC Identity Theft Report and submitted multiple dispute letters with a notarized affidavit affirming that these accounts are fraudulent and do not belong to me. Despite this, the credit reporting agencies continue to report these accounts. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation and delete any information that can not be verified within 30 days. Additionally, 15 U.S.C. 1681e ( b ) requires that they ensure maximum possible accuracy of all reported information, which is not being upheld in this case. By continuing to report false and unverified accounts, they are knowingly allowing inaccurate information to remain on my report. I have not given permission for any inaccurate, fraudulent, or joint account information to be reported under my name, and under 15 U.S.C. 1681b, no consumer reporting agency may furnish my report without a permissible purpose. I am requesting the immediate permanent removal of these two accounts from my credit file and written confirmation that they have been deleted, as continued reporting constitutes willful noncompliance with federal 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 explanation
Consumer complaint received 2025-09-09 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: MD

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XXXX XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00}XX/XX/XXXXXXXX - Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$16000.00} BANKRUPTCY - Account Number : XX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate XXXX XXXX XXXX. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
I demand reinvestigation and deletion of inaccurate reporting and inquiries. 
1. XXXX  XXXX Acct # XXXX Account number truncated unverifiable ( 609 ( a ) ( 1 ) ).

Status conflict : Closed vs. Charge Off ( 607 ( b ) ; XXXX XXXX XXXXield 17 ). 
Reporting {$620.00} past due while closed = factually impossible. 
Payment history inconsistent ; requires actual ledger ( see XXXX v. XXXX  ). 
DISPUTED INQUIRIES EQUIFAX The following inquiries lack permissible purpose under 604 and must be deleted unless you provide signed credit applications : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : DEPTEDXXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} DEPTEDXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} DEPTEDXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} DEPTEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
My information was exposed in the Equifax Data Breach and I have several fraudulent and inaccurate information on my credit report. This CFPB complaint has been file to request pursuant to The FCRA 605B ( 15 U.S.C.1681 c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK this information appearing on My Consumer Credit Report, that is a result of Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This fraudulent, inaccurate, and false accounts consist of XXXX ACCOUNT NUMBER XXXX opened on XX/XX/XXXX, account XXXX XXXX XXXX ACCOUNT NUMBER XXXX opened on XX/XX/XXXX ACCOUNT NAME XXXX ACCT NUMBER XXXX ACCOUNT NAME XXXX XXXX  ACCT NUMBER XXXX DATE OPENED XX/XX/XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER XXXX DATE OPENED XXXXInquiry : XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRY NAME : XXXX  XXXX INQUIRY DATE XX/XX/XXXX. These accounts have resulted in several fraudulent Hard Inquiries, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report and negatively effecting my Consumer scores as well as my financial and personal life. I have attached a copy of FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of Data Breach, 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 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Fresh Holdings Inc
State: WI

Complaint narrative:
Several days prior to XXXX XXXX, I received a payment reminder from credit fresh/XXXX  XXXX  for a line of credit account. It had my payment date as XXXX XXXX instead of the XXXX. I called them and asked to change the date to XX/XX/XXXX for just that payment. I was told to make it the XXXX to be on the XXXX  XXXX. Then the schedule of payments would resume on the original schedule. The next payment should have been on XX/XX/XXXX. It wasnt deducted until XX/XX/XXXX. Then it should have been due on XX/XX/XXXX but wasnt deducted until XX/XX/XXXX. I did contact customer service during this time period to correct the payment date. I was told it would take 2 pay cycles before it was processed. I decided to pay the balance in full after that runaround that cost me extra billing cycle fees. On the credit fresh website it lists the address to mail paper checks to and refers to it as snail mail. It lists an address of XXXX XXXX XXXXXXXX XXXX PA XXXX. I informed credit fresh that I would be sending a check from my title company via XXXX with delivery confirmation tracking on it. When I took it to the post office on XXXX in XXXX XXXX WI, that address was non existent. I called customer service from that post office and was put on a long hold to find out why the address given was no good. I was then given the address of XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. I mailed it priority mail with delivery confirmation tracking. XXXX notified me that the item was delivered to the front desk on XXXX at XXXX XXXX. No credit has been given though Id sent the proof of delivery to them as well as a void copy of the original check that they requested. Ive been told it could take up to 6 weeks to process and credit an account with a paper checks. Today I had the original mail piece returned to me as undeliverable- commercial mail receiving agency-no authorization on the face of the envelope. The sticker is from that address, not XXXX. The yellow sticker from XXXX says return to sender-unclaimed-unable to forward. That sticker has a date of XXXX on it. Ive been in contact with credit fresh by phone and email all through this issue. I have stopped all payments to them as of XXXX and tried to deal with them directly. Im asking that they be required to provide a true mailing address and backdate my account to the amount of the check I already attempted to send in. This whole situation seems to involve fraud and misinformation. I do have several saved emails relating to the contacts Ive had with customer service including the XXXX proof of delivery. Please advise me as to my options. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Company is reporting inaccurate information. It should be reporting acct was settled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
My information was exposed in the Equifax Data Breach and I have several fraudulent and inaccurate information on my credit report. This CFPB complaint has been file to request pursuant to The FCRA 605B ( 15 U.S.C.1681 c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK this information appearing on My Consumer Credit Report, that is a result of Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This fraudulent, inaccurate, and false accounts consist of XXXX ACCOUNT NUMBER XXXX opened on XX/XX/XXXX, account XXXX XXXX XXXX ACCOUNT NUMBER XXXX opened on XX/XX/XXXX ACCOUNT NAME XXXX ACCT NUMBER XXXX ACCOUNT NAME XXXX XXXX  ACCT NUMBER XXXX DATE OPENED XX/XX/XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER XXXX DATE OPENED XXXXInquiry : XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRY NAME : XXXX  XXXX INQUIRY DATE XX/XX/XXXX. These accounts have resulted in several fraudulent Hard Inquiries, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report and negatively effecting my Consumer scores as well as my financial and personal life. I have attached a copy of FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of Data Breach, Identity Theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
My information was exposed in the Equifax Data Breach and I have several fraudulent and inaccurate information on my credit report. This CFPB complaint has been file to request pursuant to The FCRA 605B ( 15 U.S.C.1681 c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK this information appearing on My Consumer Credit Report, that is a result of Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This fraudulent, inaccurate, and false accounts consist of XXXX ACCOUNT NUMBER XXXX opened on XX/XX/XXXX, account XXXX XXXX XXXX ACCOUNT NUMBER XXXX opened on XX/XX/XXXX ACCOUNT NAME XXXX ACCT NUMBER XXXX ACCOUNT NAME XXXX XXXX  ACCT NUMBER XXXX DATE OPENED XX/XX/XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER XXXX DATE OPENED XXXXInquiry : XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRY NAME : XXXX  XXXX INQUIRY DATE XX/XX/XXXX. These accounts have resulted in several fraudulent Hard Inquiries, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report and negatively effecting my Consumer scores as well as my financial and personal life. I have attached a copy of FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of Data Breach, Identity Theft and fraud.

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

Complaint narrative:
Unauthorized accounts are being reported under my name without my knowledge or consent. I have never opened or managed these accounts. This is unacceptable and misrepresents my financial history.

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