vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX TX XXXX SS # : XXXX XXXX : XX/XX/1978 Consumer Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened 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. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding unauthorized and/or unverified hard inquiries appearing on my credit report. 

I recently reviewed my credit reports and noticed multiple hard inquiries that I did not authorize, did not consent to, and have no knowledge of. These inquiries are negatively impacting my credit score and overall credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unverifiable information. I am formally requesting that each company reporting these inquiries provide documented proof of authorization, including but not limited to : A signed application or contract Proof of permissible purpose Date and method of authorization If the furnisher or credit bureau can not provide proper verification, the inquiry must be removed immediately. 

I previously attempted to address these matters, yet the inquiries remain without valid verification. This continued reporting of unverified information is causing ongoing 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Its been XXXX years and TransUnion have failed to provide any required documentation on these unauthorized accounts reporting on my credit report the first account is XXXX which is the same account I been deemed fraudulent TransUnion has verified this account as accurate, and on the credit report shows the account have been charged of since XXXX, which is a tax write off, as of XXXX TransUnion is still reporting the account as late payments causing me harm and personal injury, TransUnion sent me a certified letter stating I was apart of the data breach during this same time frame that this fraud account has been on my report, also XXXX, XXXX XXXX XXXXXXXX and XXXX inquiries that I did not authorize and I dont have a account with no company that have inquiries on my account TransUnion XXXX refused to remove these fraudulent accounts which is a violation of my consumer protection rights, violation of the XXXX XXXX and multiple federal violations including a cease and desist on all unauthorized negative accounts that was sent to your company to monitor this fraud and nothing was In forced not one law or consumer protection law Experian is doing the same thing with XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX no verification letter, chain of custody or no documentation with a contract showing Im responsible for a debit, which have caused me direct harm and personal injury.

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 2025-12-16 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: TX

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE REPORTING INAACURATE AND UNAUTHORIZE IFORMATION CONCERNING THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ABOVE ACCOUNTS ARE IN VIOLATION OF THE FOLLOWING FCRA LAWS 1681e-b and 1681s 2a and 1a inaccurate reporting, 1681 1a 1a did not recieve a XXXX  day notice prior to these lates being reported on my consumer report, 611 proof of XXXX day notice being sent. I'm asking that all lates be throughly investigated and XXXX day notice be provided along with the consent to share my personal information IM REQUESTING A THROUGH INVESTIGATION OF THE ABOVE ACCOUNTS AND THAT THEY BE UPDATED TO PAID AS AGREED AND THE INACCURATE AND NEGATIVE INFORMATION BE REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE REPORTING INAACURATE AND UNAUTHORIZE IFORMATION CONCERNING THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ABOVE ACCOUNTS ARE IN VIOLATION OF THE FOLLOWING FCRA LAWS 1681e-b and 1681s 2a and 1a inaccurate reporting, 1681 1a 1a did not recieve a XXXX  day notice prior to these lates being reported on my consumer report, 611 proof of XXXX day notice being sent. I'm asking that all lates be throughly investigated and XXXX day notice be provided along with the consent to share my personal information IM REQUESTING A THROUGH INVESTIGATION OF THE ABOVE ACCOUNTS AND THAT THEY BE UPDATED TO PAID AS AGREED AND THE INACCURATE AND NEGATIVE INFORMATION BE REMOVED IMMEDIATELY

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-16 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: OH

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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-12-16 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: IL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. and TransUnion LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) resulting from their failure to maintain accurate consumer credit files, properly investigate disputes, and delete unverifiable, inaccurate, and obsolete information. My credit reports contain multiple incorrect name variations, including XXXX XXXX XXXX and XXXX XXXX, which are not my legal name and indicate a mixed or contaminated credit file in violation of FCRA 607 ( b ). Both bureaus are also reporting inaccurate and unauthorized address information, including XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX which I did not verify and which are being used to associate inaccurate tradelines with my credit profile. Additionally, Experian and TransUnion are reporting inconsistent and conflicting information for a XXXX XXXX account ending in XXXX, including different Dates of Last Activity and future reporting dates, which can not both be accurate and constitute violations of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) regarding accurate reporting and proper disclosure of the Date of First Delinquency. TransUnion is also reporting a XXXX XXXX XXXX XXXX account ending in XXXX with a balance of {$14000.00} that is not reported by XXXX or Experian at all, raising serious concerns about accuracy, verification, and selective reporting, in violation of FCRA 607 ( b ). Furthermore, some of the information being reported appears obsolete and improperly aged, violating FCRA 605 ( a ). Despite my right to dispute inaccurate information under FCRA 611, these credit reporting agencies have continued to publish damaging inaccuracies that negatively affect my creditworthiness, access to credit, and financial stability, demonstrating a pattern of negligent and potentially 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 non-monetary relief
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
I am not associated with these accounts and request they be deleted within XXXX  days per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I have filed several disputes with these companies due to the fraudulent information being reported in my credit report. The most recent disputes being filed on XX/XX/year>. I have requested they supply me with the following information when they claim they have " verified " the information. I have asked for a complete payment history, a signed and executed agreement, a full chain of title or assignment, verification data files, as well as supporting documentation and i have never been supplied with any of the above. 
They keep refusing to remove this fraudulent information from my credit profiles and it is illegal for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion LLC unlawfully reinserted previously deleted accounts ( XXXX XXXX ending XXXX ) into my credit file without providing the mandatory advance written notice or obtaining the required certification from the furnishers, in direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ). These accounts were disputed on XX/XX/year> and were deleted by XX/XX/year>, confirming TransUnions prior determination that the information could not be verified. Despite this, TransUnion willfully reinserted the same information without compliance with statutory reinsertion procedures. This conduct reflects a pattern of reckless disregard for federal law, causes ongoing financial and reputational harm, and constitutes a willful FCRA violation, not a clerical error.

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 2025-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/year>, I received notification from my bank and credit card company regarding XXXX XXXX  inquiries ( not initiated by me ) on my credit. XXXX with XXXX XXXX  XXXX XXXX, XXXX with Capital One. I have since frozen my credit reports with the XXXX credit reporting bureaus and will call each XXXX  inquiry company in the morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I am filing this complaint regarding Credit Karma for deceptive and misleading practices that have caused direct harm to my credit.

Credit Karma advertises outstanding approval odds for credit cards and auto loans, which reasonably leads consumers to believe they are likely to be approved. Relying on these representations, I applied for credit offers shown through their platform and incurred multiple hard inquiries. These applications resulted in denials, unnecessarily lowering my FICO

credit score and making future approvals even less likely. Additionally, Credit Karma presents credit scores that are not FICO scores, despite the fact that FICO scores are the scores actually used by most lenders when evaluating credit applications. This distinction is not made clear to consumers and creates a misleading impression of their true creditworthiness.

Credit Karma also reports negative marks related to its credit builder accounts. These accounts function as savings products rather than traditional loans, yet late payments or account closure are reported in a way that negatively impacts credit scores. This practice is misleading and not clearly disclosed, as consumers would not reasonably expect a savings-based product to damage their credit. 

As a specific example, Credit Karma represented that I had outstanding approval odds for a {$21000.00} auto loan. However, when I attempted to purchase vehicles priced around {$10000.00} using offers presented through Credit Karma, I was unable to obtain approval without a co-signer. As a result, my credit was pulled multiple times with no reasonable chance of approval, directly contradicting the representations made on the platform. 

I believe these practices constitute false and misleading advertising and a failure to provide clear, accurate disclosures to consumers, resulting in financial and credit harm.

Company response to consumer: Closed with explanation