vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
When XXXX took on my loan from XXXX I expected my autopay details to transition over. They did not. and I got dinged all of a sudden with three consecutive * late * payments on my credit score that knocked my score down over XXXX points at a time that is highly critical for me and my family ( I am in the final stages of a mortgage loan that allows me to move my elderly dependent parent into a home with me that matches their health care needs ). 

I am in touch with the credit bureaus and all understand the situation but just need a final letter from XXXX to document and finalize the revision/correction to my credit score ( which has been tanked more than XXXX points due to this system issue that did not catch my auto pay bank details in the transition ). 

It is also of note that I made a large lump sum payment and most of my student loans are actually almost fully paid off at this time, this is also in-spite of the fact that I was eligible for a forbearance having worked in public service, I thought I would give back what I had saved in preparation for my mortgage approval for my family home. 

Despite these measures CRI has been unwilling to take accountability for their error and support me with a letter validating my information for the credit bureaus to restore my 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 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ) and the protections afforded to identity theft victims under federal law. I have submitted an official Identity Theft Report through the FTC ( Report Number : XXXX, dated XX/XX/XXXX ) which outlines fraudulent XXXX XXXX XXXX accounts that were opened in my name without my consent. 

Despite prior disputes and removals, two fraudulent XXXX XXXX XXXXXXXX XXXX XXXX accounts have been reinserted into my credit report without the legally required notice or justification. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which mandates that if a previously deleted item is reinserted, the consumer must be notified within five business days, along with the name of the furnisher of that information. I never received such a notice.

The fraudulent accounts are as follows : 1. XXXX XXXX XXXXXXXX Account : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX 2. XXXX XXXX XXXXXXXX Account : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX These accounts are the result of identity theft and are documented in my FTC Identity Theft Report. I have also identified inaccurate personal and employment information being reported, including variations of my name and an unfamiliar employer, 1X1 Moving.

Legal Violations : FCRA 611 ( a ) ( 5 ) ( B ) : Failure to notify of reinsertion of previously deleted information.

FCRA 605B : Duty to block information resulting from identity theft when provided with a police report or identity theft report.

FCRA 623 ( a ) ( 6 ) : Furnishers of information must not report information they know or have reason to know is the result of identity theft.

Requested Resolution : 1. Immediate and permanent removal of both fraudulent XXXX  XXXX XXXX accounts from my credit file. 
2. Full investigation into how these accounts were reinserted without proper notification.

3. Written confirmation that these accounts will not reappear unless proper verification under FCRA is completed.

4. A copy of any documentation submitted by XXXX  XXXX XXXX that allegedly verifies the legitimacy of these accounts, if applicable. 

Please find attached my FTC Identity Theft Report as evidence. I respectfully request your assistance in holding the credit bureaus and furnishers accountable for violating my consumer rights. I am also in the process of filing complaints with the credit bureaus and the furnisher directly. 

Sincerely, 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 2025-07-09 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and 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 consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 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: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and 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 consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery Associates , Llc Is suing me for a debt that is not owed. The person who owes this debt does have the same first and last name. When I call the company they acknowledge that me and the person who the debt is actually for do not have the same social and the last four of the social do not match the last four of mine. Yet even after a year of trying to resolve the issue with the company they still sued me and got a default judgment against me. The card was opened in 2016 but my last name was not the one me and the person share in 2016. I have explained this and they refuse to do anything about it. The amount the other person owes is around {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-07-09 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: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 explanation
Consumer complaint received 2025-07-09 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: DE

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AR

Complaint narrative:
I am a victim of identity theft. After researching the Fair Credit Reporting Act and the Federal Trade Commission, I submitted all the documents the FCRA suggests, to have fraudulent credit items blocked from my credit report, via certified mail to Experian, Equifax, and Transunion. I have tracking numbers if needed to prove each credit reporting agency has received my dispute successfully. Experian, Equifax, and Transunion all confirmed they received my dispute and opened an investigation. At the completion of each credit bureau 's investigation, each credit bureau concluded that the debts belong to me. I understand how it would appear as though the debts belong to me because the thief that broke into my home gained access to my drivers license, my social security card, my debit cards, mail, and other personal items that were all inside my wallet the thief stole from my home, but these debts do not belong to me and should have been blocked from my credit report within 4 business days of each credit bureau 's receipt, but they were not. Each credit bureau has violated my rights established in the Fair Credit Reporting Act and has done so in an effort to maintain their ongoing financial relationship with the creditors disputed. 
Here was my previous request : I request that you conduct a thorough investigation into this matter and provide me with the following details : I would like to see a complete list of all documents and correspondence utilized to confirm the validity of the above referenced fraudulent credit accounts. Please include all names and contact information of employees that you spoke with for the above referenced credit accounts, their job titles, and the date and times you spoke with them as part of this investigation. Please also include the questions and/or documents that you asked/used to prompt for the information they provided. Please also include the dates and times of said prompts to the above referenced creditors, and the dates and times that the above referenced fraudulent creditors provided you their reply to your request. Please also provide written confirmation of the results of your investigation within the timeframe mandated by the FCRA. If the information is found to be inaccurate, incomplete, or unverifiable, I demand that it be promptly deleted or corrected. This request has never been fulfilled by Experian, Equifax or 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
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Last direct deposit was sent over from my employer ( IHSS ) on XX/XX/year> XXXX for the amount of {$1000.00}. 
It did not post to my account til Sunday XX/XX/XXXX at XXXX. 

Please note : Most of my deposits post to my account same day. ( only when I make several calls to see where my direct deposit is. ) If I don't make the call its 100 % certain that I will not be getting my direct deposit the same day as it get sent from my employer. 

My employer has never gone past XXXX sending my direct deposit. even at the latest time XXXX I have always received my direct deposit the same day. ( again only if i make several calls to my bank asking where my direct deposit is?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I am submitting this complaint due to fraudulent auto loans that were opened in my name without my knowledge or consent, and the subsequent lack of action or communication from the financial institutions involved. 

On XX/XX/year>, I contacted Ally Financial after discovering a repossession reported under my name. I requested documentation regarding the alleged auto loan, which totals approximately {$53000.00}. I made clear that I did not authorize the use of my identity or Social Security Number for any such loan.

Shortly after, I also discovered a second fraudulent auto loan in the amount of {$51000.00} with XXXX XXXX. 

Despite repeated attempts to contact both institutions and request information or resolution, I have received no substantial updates or evidence of investigation. Both accounts continue to appear on my credit report and are affecting my financial standing. 

I filed a police report for identity theft on XX/XX/year>, and have taken all appropriate steps to report this crime to the Federal Trade Commission. Additionally, I have not applied for a new vehicle in over XXXX years, nor have I attempted to obtain any auto financing until very recently, further confirming that these accounts are unauthorized and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
I kindly request your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In line with USC 1681g, I am formally requesting their removal within 15 days. All relevant documentation has been enclosed for your review. It is also important to note that the information reported varies and is inconsistent across the credit bureaus.

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 2025-07-10 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: CO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm tp my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-09 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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