vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
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 2025-07-16 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: DC

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 non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
Hard inquiries not recognized by me : XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( Experian ), XXXX  XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX  - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( TransUnion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
Hard inquiries not recognized by me : XXXX XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( Experian ), XXXX  XXXX XXXX - XX/XX/XXXX ( Experian ), XXXX XXXX  - XX/XX/XXXX ( Experian ), XXXX XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ), XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( TransUnion ), XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( TransUnion ).

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 2025-07-16 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: The CBE Group, Inc.
State: NV

Complaint narrative:
identity theft, accounts and address not belonging to me, open fraudulently/ breached information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-16 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: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXXXXXX 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am reporting Experian for continuing to report multiple charged-off accounts from XXXX XXXX that are inaccurate and unverifiable. These accounts are not listed on my XXXX  or XXXX  reports, yet they appear on Experian with balances due, charge-off status, and updated activity as recently as XX/XX/year>. I disputed these accounts with Experian in XXXX, XXXX, XXXX, and XX/XX/year>, and they remained on my report without proper documentation being provided. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting and proper reinvestigation. I am requesting that Experian provide the method of verification and furnishers records or immediately delete these items. These inaccurate reports are causing harm to my creditworthiness and financial stability.

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 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the above-referenced account as it appears on my consumer credit report. I have no knowledge of this XXXX XXXX account, the address they have is not mine, and have never received services at that location. 
Additionally, this account appears to be reporting inaccurately and in violation of Metro 2 and FCRA standards, which require accurate, complete, and verifiable data. 

The following Metro 2 compliance issues are present : Contradictory Pay Status vs. Date Closed The account reflects a Pay Status : >Collection< even though it is also marked closed on XX/XX/year>. According to Metro 2 Format XXXX and XXXX, an account can not simultaneously report a Closed status and remain in Collection pay status. 
Violation : Metro 2 Field 17 & Field 17A Original Creditor Listed Despite Potential Debt Sale The debt is marked as XXXX XXXX, yet if this account was sold or transferred to a third-party collector, Metro 2 requires the debt buyer to be accurately reported. 
Violation : Metro 2 Field 25 ( Account Number ), Field 50 ( Furnisher Name ), Field XXXX ( Portfolio Type ) No Debt Buyer or Assignee Listed The Metro 2 format mandates that if the debt is purchased, it must include the debt buyers name under appropriate fields. It is currently misrepresenting XXXX XXXX as the account owner, which is misleading under the FCRA 623 ( a ) ( 1 ) ( A ).

Violation : Metro 2 Field 18 ( Special Comment Code Sold to Another Lender ) Outstanding Past Due on a Closed Account Reporting a Past Due amount of {$2000.00} on an account thats already been closed misrepresents the current payment obligation and violates Metro 2 guidelines.

Violation : Metro 2 Field 16 ( Current Balance ) & Field 22 ( Past Due Amount ) Disputed Notation Present, But No Reinvestigation Completed The notation Account information disputed by consumer ( FCRA ) is present ; however, I have not received any investigation results or response, violating my rights under FCRA 611 ( a ) ( 1 ) ( A ) and Metro 2 compliance for dispute resolution and updating. 
Violation : Metro 2 Field 112 ( Compliance Condition Code value of XB ), and failure to comply with FCRA reinvestigation requirements

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 2025-07-16 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2300.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2300.00} DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2800.00} DEPTEDXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$10000.00}

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 explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I am a victim of identity theft. Starting in [ insert approximate month/year ], fraudulent XXXX loans totaling approximately {$1500.00} were opened in my name and reported to Experian. 

I have taken all legally required steps : Filed a police report and FTC Identity Theft Affidavit. 

Submitted both to XXXX and Experian, along with written disputes and supporting documentation. 

Contacted all merchants involved. XXXX and XXXX confirmed these transactions were not made by me, and XXXX agreed to refund XXXX. 

Provided XXXX  with all merchant communications, police and FTC reports, and additional evidence. 

Despite this, XXXX continues to report these fraudulent loans on my credit file. I have repeatedly requested removal, but XXXX  responses are inconsistent and conflicting. They have not removed the accounts or resolved the matter, and have not provided written confirmation to me, Experian, or regulatory agencies. 

My credit has been severely harmed, and I have been denied a student loan as a result. 
All relevant documentation and correspondence have been uploaded and provided to XXXX, Experian, and the CFPB.

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 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I contacted Credence Resource Management regarding several debts listed on my account : {$110.00} opened on XX/XX/2025 {$93.00} opened on XX/XX/2025 {$280.00} opened on XX/XX/2025 During the call, the representative informed me that all of these accounts were opened in Texas. I made it clear that I have never lived in Texas, have no plans to live there, and do not recognize any connection to that state. 

Additionally, the representative disclosed four Texas addresses associated with these accountsnone of which I recognize or have ever been affiliated with. I am very concerned about how my personal information is being used and would like this matter investigated and resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have been trying to access my funds in my Cash App account since XXXX XXXX and when contacted Cash App they mentioned a judges order to hold my assets and not to release it due to a pending case at the time. Fast forward the case has been over for 3yrs and Cash App XXXX released my funds after knowing the court case was settled it. Cash app : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
I am apart of the Lexington Law lawsuit. I still have not received my settlement funds even though I submitted a change of address XX/XX/XXXX on their website and then again XX/XX/XXXX via email and again XX/XX/XXXX - my address still has not been changed and still have not received any resolve. Checks were to be sent XX/XX/XXXX and I still have gotten nothing. I have called every month to check and my address is still XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX when it should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: AL

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 XXXX 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 2025-07-16 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: AL

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 XXXX 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 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX. XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax the 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 collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX  ) This account has 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 a 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 # ( XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
The Credit Reporting Agencies Have Yet To Delete All Fraudulent accounts off My Credit Report. 
According to law 18 U.S.C 1028 EQUIFAX EXPERIAN TRANSUNION

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 2025-07-16 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: FL

Complaint narrative:
The Credit Reporting Agencies Have Yet To Delete All Fraudulent accounts off My Credit Report. 
According to law 18 U.S.C 1028 EQUIFAX EXPERIAN TRANSUNION

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