vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HireRight Solutions, Inc.
State: NC

Complaint narrative:
I applied for a role with a company, XXXX, and they requested a background check through HireRight. HireRight completed this background check and indicated that I had a felony in Connecticut based solely on first name, last name, and date of birth. 

I immediately filed a dispute on XX/XX/XXXX once I was told about this from the company I applied for. The dispute was immediately closed within hours with an email sent stating I would receive the dispute information and the company would as well. I called back in to HireRight on XX/XX/XXXX and was told that the closure was a mistake and they would re-open. 

On XX/XX/XXXX, through my own research, I obtained an incident report from the XXXX Police Department pertaining to the arrest of a person with the same name as me. In this incident report, the arrested individual is listed as a XXXX male. However, I am a XXXX  male. 

I called HireRight on XX/XX/XXXX and sent this information over directly to them, along with my current real id license from NC. I also asked them how they could have performed verification of my employment history and my previous addresses and determine that I could have also been in an entirely different state serving jail time. They told me they do not cross reference multiple background checks. HireRight did not do their due diligence and are now hiding behind the 30-day FCRA allotted time, despite being immediately provided evidence against their claim. 

When I call in, you can only speak to customer service representatives who have no clue how long it will take to fix the dispute ( just up to 30 days ). They can't tell you if it will be looked at soon, you can't speak to the people doing it, etc. I have given them direct evidence within 12 hours proving this is a complete error, yet they can not quickly overturn their mistake. 

This is potentially going to cost me a high paying technology sector job, at a time when finding these jobs is extremely difficult to do. In addition, they are now harming my reputation by placing this on my background check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
1. The XXXX  appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Fraudulent debt collection reported to my credit profile causing catastrophic financial harm. 

According to my credit report this debt is being reported and/or collected by your company. I assert that this account is not valid and should not be associated with me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the debt, including : The name and address of the original creditor ; The amount of the alleged debt and an itemized accounting ; Copies of any contracts or documentation bearing my signature indicating my legal responsibility for the debt.

As stated in 809 of the FDCPA, I am requesting this information within 30 days of receiving notice of the debt, and during this period, collection activity must cease until the debt is validated.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you notify all credit reporting agencies to which this account has been reported that the account is in dispute. If the account can not be verified with complete and accurate information, it must be promptly removed from my credit file under 1681i ( a ) ( 5 ) ( A ). 

If you can not validate the debt as required by law, you must cease all collection efforts and immediately remove this account from my credit reports with all relevant credit bureaus ( XXXX XXXX XXXX XXXX ). 

Please respond to this dispute in writing within 30 days of receiving this letter. If I do not receive adequate proof of this debts validity, I will pursue further action by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the Equifax credit reporting agency block the following fraudulent accounts from my consumer credit report within four business days : A credit card account with XXXX XXXX XXXXXXXX opened on XX/XX/2023 These accounts were not opened or initiated by me in any way and are entirely the result of identity theft. I have provided my consumer FICO credit report, which shows these fraudulent entries, along with my FTC Identity Theft Report # ( private case number ) to confirm the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, Capital One froze {$31000.00} in my XXXX account and {$130.00} in my XXXX account from withdraws. I direct deposit all my checks from my job into these accounts and I can not pay rent/bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IN

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-16 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: LA

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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 2025-05-16 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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 am filing a complaint to serves as a formal second request to dispute the following information that continues to appear on my credit report despite my prior written request for an investigation under the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. I previously submitted a dispute regarding the following account ( XXXX ), and to date, the inaccurate or unverifiable information remains : XXXX XXXX * * * * * * Balance : {$140.00} XXXX XXXX XXXX * * * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * Balance Owed : {$14000.00XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
THERE ARE SOME FRADULENT NAME VARIETIES AND ADDRESSES ON MY CREDIT REPORT, ALSO I NEED ALL NUMBERS EXPECT FROM MY VALID PHONE NUMBER. 

FRAUD NAME : XXXX XXXX FRAUD ADDRESS : XXXX XXXX XXXX XXXX XXXX, SC XXXX MY FULL LEGAL NAME IS SUPPOSE TO BE 'XXXX  XXXX XXXX, NO OTHER VARIETIES PLEASE DELETE WHATEVER ELSE IS PRESENT. 

MY CURRENT AND VALID ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PLEASE UPDATE MY ADDRESSES TO THIS AS IT IS MY CURRENT AND MOST VALID ADDRESS MY ONLY AND VALID PHONE NUMBER IS : ( XXXX ) XXXX - XXXX PLEASE REMOVE ALL OTHER PHONE NUMBERS. 

EVERYTHING ASIDE FROM THESE INFORMATIONS ARE CONSIDERED FRADULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
THERE ARE SOME FRADULENT NAME VARIETIES AND ADDRESSES ON MY CREDIT REPORT, ALSO I NEED ALL NUMBERS EXPECT FROM MY VALID PHONE NUMBER. 

FRAUD NAME : XXXX XXXX FRAUD ADDRESS : XXXX XXXX XXXX XXXX XXXX, SC XXXX MY FULL LEGAL NAME IS SUPPOSE TO BE 'XXXX  XXXX XXXX, NO OTHER VARIETIES PLEASE DELETE WHATEVER ELSE IS PRESENT. 

MY CURRENT AND VALID ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PLEASE UPDATE MY ADDRESSES TO THIS AS IT IS MY CURRENT AND MOST VALID ADDRESS MY ONLY AND VALID PHONE NUMBER IS : ( XXXX ) XXXX - XXXX PLEASE REMOVE ALL OTHER PHONE NUMBERS. 

EVERYTHING ASIDE FROM THESE INFORMATIONS ARE CONSIDERED FRADULENT

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected 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 2025-05-16 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:
This CFPB complaint is being submitted under FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the Equifax credit reporting agency block the following fraudulent accounts from my consumer credit file within four business days : A bank account with 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 XXXXXX/XX/XXXX These accounts are not mine and were not opened or initiated by me in any way. I have provided documentation including a copy of my consumer FICO credit report showing these entries and an FTC Identity Theft Report # ( private case number ) confirming that all of these accounts are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX 2025 RE : VALADATION OF ACCOUNT To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company XXXX of dollars. 


This letter is being sent to you in a response to an entry that was made on my Credit Report. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is being requested.

Under the Fair Debt Collections Practices, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX  or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this require under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I required compliance with the terms and conditions of this letter within 15 days of this letter being receipt, or a complete removal from all four credit bureau reporting agencies from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charge and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated, you must indicate to the bureau that the account is under investigation and is under dispute and will remove/cease from reporting this information to the Credit Reporting Agencies until full validation has been completed.

I have sent a copy of this request for validation to the four national Credit Reporting Agencies to begin their 15 day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief