vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
After applying for a mortgage my bank was unable to access my credit report through Experian. When I called the automated process said my credit was already unfrozen and that there was nothing further I needed to do. When I logged in online it also indicated that my account was unfrozen. But the bank still could not access my credit in order to continue with the mortgage application. There was clearly something wrong. My bank verified my pertinent information ( SS #, legal name, birth date, etc. ) all correct. My complaint is that there was absolutely no way that I was able to make a direct contact with a person at Experian in order to help me resolve the issue. There automated system provided no option for speaking to someone. I tried different numbers, different options on the automated phone tree - all with the same effect after verifying my identity the system confirmed my credit was unfrozen and " good bye ''. No option to transfer to anyone who could possible help determine what was the issue. Thanks to XXXX search ( I am clearly not alone in my exasperation over Experian ) and a comment in XXXX  I checked what was a Credit Lock ( different from a Credit Freeze ) and found that my credit was Locked and I was able to unlock it and more my loan application along. CFPB should insist that there be a way for persons to be able to speak to someone when there is an issue.

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 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov/complaint/ Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am filing this formal complaint to report unauthorized hard inquiries on my credit report that were made without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681b ]. 
After reviewing my credit report from [ Experian XXXX Equifax XXXX TransUnion list as applicable ], I found that the following companies accessed my credit file without my authorization or any permissible purpose : XXXX. XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX. XXXX 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  XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX  XXXX XX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXXXX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX Equifax I did not apply for credit, authorize these companies to access my credit report, or have any business relationship with them. These inquiries are negatively impacting my credit score and overall creditworthiness. 
I have already submitted a dispute to the credit bureaus and requested the removal of these unauthorized inquiries. However, I am filing this complaint with the CFPB to ensure a full investigation is conducted and to protect my rights under federal law. 
Requested Resolution : I am requesting that the CFPB investigate these companies and ensure that the credit bureaus : Remove all unauthorized inquiries from my credit reports Provide documentation or justification for the inquiries if they claim they were authorized Hold companies accountable for violations of the FCRA Attached Documentation : Copy of my government-issued ID And Social Security Card Please let me know if any further information is needed. I appreciate your assistance in protecting consumer rights and investigating this matter promptly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov/complaint/ Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am filing this formal complaint to report unauthorized hard inquiries on my credit report that were made without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681b ]. 
After reviewing my credit report from [ Experian XXXX Equifax XXXX TransUnion list as applicable ], I found that the following companies accessed my credit file without my authorization or any permissible purpose : XXXX. XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX. XXXX 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  XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX  XXXX XX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXXXX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX Equifax I did not apply for credit, authorize these companies to access my credit report, or have any business relationship with them. These inquiries are negatively impacting my credit score and overall creditworthiness. 
I have already submitted a dispute to the credit bureaus and requested the removal of these unauthorized inquiries. However, I am filing this complaint with the CFPB to ensure a full investigation is conducted and to protect my rights under federal law. 
Requested Resolution : I am requesting that the CFPB investigate these companies and ensure that the credit bureaus : Remove all unauthorized inquiries from my credit reports Provide documentation or justification for the inquiries if they claim they were authorized Hold companies accountable for violations of the FCRA Attached Documentation : Copy of my government-issued ID And Social Security Card Please let me know if any further information is needed. I appreciate your assistance in protecting consumer rights and investigating this matter promptly. 
Sincerely, 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 2025-06-30 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: MI

Complaint narrative:
Equifax Failed to Address My Core Concerns Incomplete and Unacceptable Response Dear CFPB, I am following up on my previous complaint against Equifax regarding the XXXX XXXX XXXX account. 

Equifaxs response was generic and failed to address the actual basis of my complaint. I did not dispute ownership of the account. What I raised and what Equifax ignored was : XXXX. Why XXXX XXXX failed to report this account to Equifax for a significant period of time, even while reporting to TransUnion and Experian. 
2. Why the account was suddenly added back to Equifaxs records after my court dispute and CFPB complaint. 
XXXX. Why no explanation, timeline, or supporting documentation was provided to justify this sudden change in reporting status. 

This was not a simple accuracy dispute. This was about gaps, timing, and lack of transparency in reporting which could reflect noncompliance with the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB direct Equifax to : Provide a detailed investigation and written response that includes dates when Credit Acceptance was or was not reporting this account ; Clarify why the account was missing and then reappeared without notice ; Explain what Equifax is doing to ensure accurate, consistent, and non-retaliatory credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Concord Servicing Corporation
State: NY

Complaint narrative:
I am filing a complaint against Concord Servicing LLC for inaccurately reporting a closed timeshare account on my credit reports. 

The account was opened in XX/XX/XXXX and has had no payments since XX/XX/XXXX. Despite this, Concord updated the status of the account in XX/XX/XXXX to show a past due balance of {$13000.00} and a total balance of {$18000.00}. 

This is a closed, inactive account, yet Concord is reporting it as if it is still active and recently delinquent. This is misleading and severely hurting my credit score.

I previously disputed this account and received no proper correction. I also contacted them requesting to settle the debt and/or arrange a Pay-for-Delete, but have not received any reasonable response.

I am requesting the CFPB investigate and require Concord Servicing to either remove the tradeline completely or update it to reflect that it is settled or paid in full with no active status or derogatory balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}

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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I previously disputed and had a XXXX  XXXX XXXX tradeline removed from my credit reports after submitting a valid identity theft affidavit. The account, opened fraudulently in XXXX, was confirmed by me as identity theft in XXXX and deleted from all three credit bureaus. 

However, XXXX  XXXX XXXX recently sent me a letter stating they still hold me responsible for the balance and intend to resume reporting the account. They offered no new documentation, no copy of a signed agreement, and no additional evidence to support re-reporting the debt. 

This complaint is being filed proactively because XXXX  XXXX XXXX is attempting to bypass the protections under FCRA 611 ( a ) ( 5 ) ( B ), which prohibits reinsertion of previously deleted information unless : 1. The furnisher certifies the information is accurate and complete ; 2. The credit bureau notifies the consumer in writing within 5 business days.

As of now, no such notice has been given, and no evidence was included in their response. Any attempt to reinsert this tradeline without those two steps is a direct violation of the FCRA. 

This account was already marked as identity theft, documented in an FTC report, and acknowledged through tradeline deletion. I am requesting regulatory intervention before any reinsertion occurs, and to document XXXX  XXXX XXXX intent to violate consumer protections.

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 2025-06-30 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The documentation sent by bank fraud team was full of discrepancies including : Date of delivery is the same date of the charge on a shipment from XXXX XXXX XXXX sent via XXXX ; incorrect account number reflected ; tracking information provided by shipper does not match what I get when I track it ; IP address shown does not match my IP address. IP address shows for XXXX and I live in 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I sent Toyota Financial Services a certified dispute requesting full validation of XXXX accounts they are reporting. I asked for insurance/XXXX  payout info, a payment history, and original loan docs. 

Toyota responded with two conflicting letters : one claimed accuracy without evidence ; the other said my dispute lacked detail, despite being specific and legally cited. 

Then, on XX/XX/year>, I received a letter from XXXX XXXX XXXX offering to settle one of these debts for less than the full balance. This suggests Toyota either sold or assigned the debt to XXXX during my active dispute, but I was never properly notified or provided validation. Neither party has substantiated the debt, and both continue collection and credit reporting activity.

This violates FCRA 623 and FDCPA 809. Im requesting that this account be fully validated or removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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