vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: NC

Complaint narrative:
I am a victim of identity theft caused by a data breach. My personal information was stolen and used to open fraudulent accounts, collections, and hard inquiries that do not belong to me. These accounts appeared on my credit reports with Experian, Equifax, and TransUnion without my knowledge or permission. 

The fraudulent accounts include credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), loans and leases ( XXXXXXXX XXXX XXXX for {$17000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr {$1000.00} ), utility/phone accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1700.00} ) , and an insurance collection ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} ) . I also discovered unauthorized hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I first noticed these items in XX/XX/year>XXXX  when I reviewed my credit report. I immediately filed an FTC Identity Theft Report, provided copies of my ID and proof of address, and sent each bureau a dispute letter under FCRA 605 ( b ). That law requires the bureaus to block and delete fraudulent information within 4 business days once they receive my documentation. 

Despite my actions, these fraudulent accounts and inquiries remain on my credit reports. They are not mine, I never applied for them, and they are damaging my credit. I am requesting that the CFPB enforce my rights under the Fair Credit Reporting Act and require the bureaus to permanently block and delete these items and confirm this to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: KS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-15 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: KS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-15 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: AR

Complaint narrative:
I am Submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am Submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: AR

Complaint narrative:
I am Submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: OK

Complaint narrative:
This letter serves as a formal demand to remove the following unauthorized and fraudulent credit inquiries from my Experian credit file. These inquiries were placed without my knowledge, consent, or permissible purpose, making them unlawful under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian is fully aware that reporting agencies may only release my credit file when there is a clear, verifiable permissible purpose. You are therefore legally obligated to either : Provide written evidence of my authorization ( bearing my signature or direct, verifiable consent ), or Immediately delete these inquiries from my file. 

If Experian fails to comply, I will take the following steps without further notice : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Notify my State Attorney Generals office regarding Experians willful noncompliance. 

Pursue legal action to seek statutory damages, actual damages, attorneys fees, and punitive damages as permitted under 15 U.S.C. 1681n and 1681o.

Understand this clearly : leaving unauthorized inquiries on my file knowingly and willfully constitutes a direct violation of federal law and will expose Experian to liability. 

This is my final warning. If these inquiries are not deleted within 30 days as required under the FCRA, I will proceed with all remedies available to me under federal and state law. 

You are hereby on notice.

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 2025-09-15 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:
I am disputing fraudulent accounts currently listed on my credit report. These accounts were never opened, authorized, or maintained by me. Their presence is inaccurate, misleading, and harmful, creating a false representation of my credit history and negatively impacting my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NC

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize, authorize, or approve. This raises serious concerns about the misuse of my private information and possible identity theft. As a victim, I urgently request the immediate removal of these fraudulent accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below are in direct violation of my federally protected consumer rights under 15 U.S.C. 1681. Specifically : 15 U.S.C. 1681, Section 602 ( A ) : Guarantees my right to privacy.

15 U.S.C. 1681, Section 604 ( A ) ( 2 ) : States that no consumer reporting agency may furnish an account without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting adverse items of information that are inaccurate or outdated.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or reasonably should know the information is inaccurate.

These fraudulent accounts violate the above federal laws and are a clear breach of my rights to privacy and confidentiality. I demand that these accounts be deleted from my credit report immediately to prevent further harm.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize, authorize, or approve. This raises serious concerns about the misuse of my private information and possible identity theft. As a victim, I urgently request the immediate removal of these fraudulent accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below are in direct violation of my federally protected consumer rights under 15 U.S.C. 1681. Specifically : 15 U.S.C. 1681, Section 602 ( A ) : Guarantees my right to privacy.

15 U.S.C. 1681, Section 604 ( A ) ( 2 ) : States that no consumer reporting agency may furnish an account without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting adverse items of information that are inaccurate or outdated.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or reasonably should know the information is inaccurate.

These fraudulent accounts violate the above federal laws and are a clear breach of my rights to privacy and confidentiality. I demand that these accounts be deleted from my credit report immediately to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECT INC. ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX ; Amount - {$2100.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$2100.00} ; Individual Account ; Account XXXX - * XXXX ; ADDITIONAL INFORMATION - Consumer Disputes- Reinvestigation in Process ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX. Inaccurately information about the lease agreement, 1st Delinquency balance is inaccurately when I paid a deposit fee for the XXXX XXXX XXXX XXXX XXXX XXXX  before moving into the apartment, how can I receive the keys and a welcome email, if the XXXXXXXX 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 2025-09-15 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: NC

Complaint narrative:
I recently reviewed my credit report and discovered multiple credit inquiries that I did not authorize, request, or approve. These inquiries are fraudulent, and their presence is a direct violation of my consumer rights and privacy under federal law. I am extremely concerned that my personal information has been used without my consent, possibly due to identity theft. Under the Fair Credit Reporting Act ( FCRA ), these inquiries are unlawful for the following reasons : 15 U.S.C. 1681, Section 602 ( A ) : Guarantees my right to privacy and confidentiality of my personal credit information.

15 U.S.C. 1681b : States that no consumer reporting agency may furnish a consumer report unless it is for a permissible purpose and with the consumers written authorization. I never provided authorization for these inquiries.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. These inquiries are inaccurate and unauthorized.

The listed inquiries violate these federal protections and negatively impact my credit profile. As a victim of identity theft, I demand that these unauthorized inquiries be immediately removed from my credit report to prevent further harm.

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 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Closed account during the process of purchasing a home. Account was opened back up and sent to a debt collectors with out my knowledge Constantly sending me text messages or emails when I never gave them consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-09-15 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:
I am challenging the late payment listed on my credit report, as it is inaccurate and inconsistent with my payment record. My history shows timely payments, and this negative entry is an error that unfairly impacts my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
EVERY TIME I XXXX FOR AN APPLE CARD MY APPLICATION GOES PENDING AND ASKS ME FOR A COPY OF MY DRIVERS LICENSE, I THEN UPLOAD A COPY OF MY LICENSE AND RECEIVE A OTP TO MY PHONE ASKING ME IF I APPLIED FOR THIS ACCOUNT AND I REPLY YES AND THEN A DAY LATER I GET DENIED AND IT STATES THAT MY IDENTITY CAN NOT BE VERIFIED EVERYTHING ON MY DRIVERS LICENSE MATCHES MY PERSONAL INFORMATION, I CALLED APPLE CARD GOLDMAN SACHS AND SPOKE TO MULTIPLE SUPERVISORS AND SPOKE TO THE FRAUD DEPARTMENT WHO ALSO COMPLETED THE ONE TIME PASSCODE VERIFICATION PROCESS FOR ME AND VERIFIED THAT I DID IN FACT APPLY FOR THE CREDIT CARD ACCOUNT AND LET ME KNOW THEY WOULD OPEN A CASE TO THE BACK OFFICE TEAM TO APPROVE THE APPPLICATION, ONCE AGAIN MY APPLICATION GOT DENIED AFTER COMPLETING ALL THE VERIFICATION STEPS I CALLED AGAIN YESTERDAY XX/XX/XXXX  SPOKE TO ANOTHER SUPERVISOR WHO TOLD ME SHE IS UNSURE WHY THE APP KEEPS BEING DENIED BECAUSE THE CASE WAS OPENED VERIFIED IT WAS APPLIED FOR BY FRAUD AND THE BACK END TEAM HADNT WORKED THE CASE YET SHE TOLD ME THAT THE CASE WOULD THEN BE ESCALATED FOR APPROVAL ONCE AGAIN LAST NIGHT MY APPLICATION WAS DENIED THIS IS INSANE!!!!!!!!!! YOU GUYS HAVE ALREADY VERIFIED I AM WHO I AM AND YET YOU KEEP DENYING ME YOU NEED TO FIX THIS AND NOW!!!!!!!!!!!!!!!!!! THE APPLICATION IS TIED TO MY APPLE ID XXXX XXXX

Company response to consumer: Closed with explanation