vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
ACCORDING TO MY MOST RECENT CREDIT REPORT, NUMEROUS ACCOUNTS ARE REPORTING ON MY CREDIT REPORT THAT ARE INACCURATE AND INCORRECT. THESE ACCOUNTS ARE REPORTED ACROSS ALL THREE OF MY BUREAU EQUIFAX, TRANSUION, AND EXPERIAN. ACCORDING TO THE FCRA, ALL INFORMATION REPORTED TO THE CREDIT REPORT MUST BE 100 PERCENT ACCURATE AND TRUE. IN THIS CASE, IT IS NOT. I HAVE UNDERLINED THE INACCURACIES ACROSS ALL THREE OF MY REPORTS. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY SOMEONE ELSE WHO WAS ABLE TO ACCESS ALL MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE. I WANT THESE INACCURACIES DELETED. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I DONT EVEN KNOW OR NEVER HEARD OF INNOVIS XXXX XXXX JUST POPPED UP I DONT EVEN KNOW HOW THEY GOT ANY OF MY INFORMATION WHEN I SHOULD BE OPTED OUT ANYTHING TO DO WITH THESE XXXX companies. Subject : Demand for Better Service, Full Consumer Report Update, and Permanent Removal of Fraudulent/Outdated Information To Whom It May Concern, I am requesting immediate and permanent updates to my consumer profile. Despite multiple disputes and confirmed deletions in the past, I continue to experience serious harm because the same fraudulent, inaccurate, outdated, and previously deleted information is still being displayed to creditors and other institutions when my profile is accessed Each time my credit report is viewed, creditors see harmful and misleading activity that does not belong on my report. This has caused denials of credit, loans, and financial opportunities, and it violates my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
Two credit card accounts with citi card opened by my soon to be ex-wife in my name. I have filed a report with the FTC, as well as my local police department. Local Investigator requested additional information. Gathered all needed documentation and sent the 609 ( e ) request via certified mail. Citi card received the request on XX/XX/XXXX2025. They refuse to provide the documents associated with the two fraudulently opened accounts, instead state that they have concluded their investigation, determined no fraud, and expect payments to be made on time, even though suspect paid the balance when I informed her of the criminality of her actions. Have called several times, speaking to numerous employees, and requested documents so the investigation can proceed. Citi fails to realize their investigation is irrelevant and that I am entitled to these documents for my local law enforcement to proceed with the investigation, and also benefit my divorce proceedings. Documented phone calls-XXXX XXXX spoke with XXXX, then XXXX, then XXXX. XX/XX/XXXX XXXX spoke with XXXX  XXXX then XXXX XXXX then XXXX XXXX then XXXX  XXXX XX/XX/XXXX XXXX spoke with XXXX XXXX XX/XX/XXXX XXXX spoke to XXXX. Obtained from XXXX  an email address to state my request, provided XXXX I emailed that address with my request at XXXX. Have not received a response or any documentation as of this submission.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
My mortgage payments continue to rise. It was once {$1000.00} and now its over {$1500.00}. I need help to lower the payments. Mortgage company tells XXXX that its my problem that they cant help me. They tell me to do my research and call around. But theyre the mortgage company and I am their client. I need help! Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
hard inquiries that I do not recognize, made without my authorization and therefore I consider them inaccurate. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
I am filing this complaint because all three credit reporting agencies ( Equifax, Experian, and TransUnion ) have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards in handli

ng my credit file. Unauthorized Hard Inquiries My reports show multiple hard inquiries that I never authorized and for which no creditor has produced signed consent or proof of permissible purpose as required under 15 U.S.C. 1681b. These include inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. I did not initiate any transaction with these companies, nor do I have any accounts with them. These inquiries are fraudulent, lower my scores, and misrepresent my credit activity. Despite my written disputes, the bureaus continue to report these inquiries without proof. 

Inaccurate and Outdated Personal Information All three bureaus are reporting obsolete or incorrect personal identifiers such as outdated addresses ( XXXX XXXX XXXX XXXX XXXXXXXX, VA and XXXX XXXX XXXX, XXXX, IL ) and wrong names ( XXXX XXXX, XXXX XXXX XXXX ). Under 15 U.S.C. 1681e ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy. Maintaining these identifiers creates a risk of mixed files and is linked to derogatory data that does not belong to me. Despite disputes, these identifiers remain on file, exposing me to further harm. 

Non-Compliant Account Reporting ( XXXX XXXX  ) All three bureaus are reporting late payment data on my XXXX XXXX auto loan that is mathematically and factually impossible under XXXX XXXX standards. The account shows XXXX with a balance and current payment, yet is coded as XXXX late while simultaneously reflecting a {$0.00} past-due. The Date of Last Activity, Date of Last Payment, and Last Reported dates conflict across bureaus. This violates 1681e ( b ) ( accuracy ), 1681i ( a ) ( reinvestigation ), and furnisher duties under 1681s-2. Continued publication of these defects after my disputes constitutes willful non-compliance ( 1681n ). 

As a documented Equifax Data Breach victim, I face heightened vulnerability to identity theft. The bureaus refusal to correct these clear errorsdespite multiple certified disputesshows reckless disregard of their duties.

I am requesting that the CFPB intervene to ensure : Immediate deletion of all unauthorized hard inquiries lacking proof of permissible purpose. 

Permanent deletion of outdated addresses and names to prevent mixed file harm. 

Deletion or correction of the XXXX XXXX tradeline to reflect accurate, lawful reporting. 

The CRAs continued failures are damaging my creditworthiness, causing unjustified denials, higher interest rates, and ongoing emotional and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: PA

Complaint narrative:
I am filing a complaint against Equifax, TransUnion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Inaccuracies include :1 collection with General, 1 collection with XXXX XXXX XXXX XXXX This collection was unable to be verified and was taken off of my Experian Credit report. Then put back on all the agencies after it was supposed to be cleared off of my TransUnion. This debt is 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax, TransUnion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Inaccuracies include :1 collection with General, 1 collection with XXXX XXXX XXXX XXXX This collection was unable to be verified and was taken off of my Experian Credit report. Then put back on all the agencies after it was supposed to be cleared off of my TransUnion. This debt is 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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
b'They repeatly call my number after being told to cease and desist all contact with XXXX XXXX XXXX the woman today XXXX says she can not stop calling my number unless i give her my personal information i refused to give out my info they call my number many times a week I do not know this company they can pay me the $1000.00 for violation of a cease and desist order'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In the past XXXX months, my ATM card has been blocked by Citibank. I was not given any reason not giving any further notice about about why my account was blocked. It has happened XXXX times in the last XXXX weeks. I have gone through the proper channels and they have told me they have alleviated the problem and it shouldnt happen anymore. The first time my card was blocked. I went to the branch and it was unblocked after XXXX hours the second time my wife had to takeoff from work and come to the branch and send in documentation and they told me that thats all I needed well on XX/XX/XXXX my card was blocked again called in the morning and no one got back to me and fixed the problem

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 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 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 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 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 2025-08-16 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: KY

Complaint narrative:
I, XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX : XXXX ), am filing this complaint to report fraudulent business credit accounts and inquiries that have been wrongfully placed on my companys XXXX XXXXXXXX XXXX file. 
Background My company was established in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
We are a small business with approximately 10 employees and no large credit accounts or business loans.

Fraudulent Accounts & Activity Between XX/XX/XXXX and XX/XX/XXXX, several accounts and inquiries were fraudulently opened and reported under my companys name : XXXX. XXXX XXXX Account Acct. ending XXXX Balance : {$9400.00} Reported : XX/XX/XXXX Unauthorized account I never applied for this credit. 
XXXX. XXXX Account Acct. ending XXXX Balance : {$35000.00} Activity Date : XX/XX/XXXX Reported : XX/XX/XXXX This account shows false late payments and high utilization. 
XXXX. XXXX XXXX XXXX Acct. ending XXXX Balance : {$60000.00} Last Payment Date : XX/XX/XXXX Reported as First Payment Default, which is false and damaging. 
XXXX. XXXX XXXX XXXX Acct. ending XXXX Balance : {$35000.00} Balance Date : XX/XX/XXXX Shows multiple delinquencies I did not cause. 
XXXX. XXXX XXXX XXXX Acct. ending XXXX Balance : {$990.00} Balance Date : XX/XX/XXXX Unauthorized revolving account. 
Additionally, there have been multiple unauthorized inquiries placed on my business file ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), further damaging my credit profile. 
Harm to My CompanyBecause of these fraudulent accounts : My XXXX Credit Score dropped to XXXX ( High Risk ). 
XXXX  assigned a Financial Stability Risk Rating of XXXX ( Medium-High Risk ). 
XXXX assigned a Risk Rating of XXXX ( High Risk ).

Payment history falsely reflects 66 Days Beyond Terms and repeated delinquency reports.

This false reporting has harmed my companys ability to access legitimate credit, secure contracts, and maintain a trustworthy financial standing.

Actions Taken by Me and My Company XX/XX/XXXX : Upon discovering these accounts, I contacted XXXX  and Small Business Financial Exchange to dispute the entries. 
XX/XX/XXXX : I made phone calls to Experian to notify them of the fraudulent reporting ( I have phone records ). 
XX/XX/XXXX : I obtained my Experian SmartBusiness report, which confirmed the fraudulent accounts and balances listed above. 
XX/XX/XXXX : I prepared and filed an FTC Identity Theft Report. 
XX/XX/XXXX : I began sending formal dispute letters demanding deletion of all fraudulent tradelines and inquiries.

Company response to consumer: Closed with explanation