vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
I am a victim of identity theft and have multiple unauthorized accounts being reported on my credit file by XXXX, Experian, and XXXX. These accounts were opened without my knowledge or written consent, and the bureaus have continued to report them despite my disputes and existing fraud alerts. 

Details of Violation : XXXX Accounts : Multiple XXXX student loan accounts ( Accounts ending in : XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  ( Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX to Reinvestigate XXXX These items were previously disputed, yet they remain on my credit file marked dispute resolved consumer disagrees, which violates FCRA XXXX ( duty to reinvestigate disputed information ). 
3.Failure to Verify Authorization : No creditor or bureau has provided any documentation with my signature authorizing the opening or reporting of these accounts, violating FCRA 1681b ( permissible purposes ) and FCRA 1681e ( b ) ( accuracy ).

4.Fraud Alerts Ignored : My file has extended fraud victim alerts on all three bureaus, but these accounts remain and derogatory data is still reported.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-30 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'I sent a certified letter to Equifax  on XXXX via XXXX  mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX . The letter was delivered to Equifax in XXXX,GA on XXXX at XXXX XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. Equifax  ignored my request and I proceeded to send another letter on XXXX  They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1XXXX XXXX balance XXXX and account number XXXX\n2XXXX XXXX balance XXXX and account number  XXXX\n3. XXXX  balance $XXXX  and account number  XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX On these dates above, I've made several attempt to resolve the inaccuracies on my profile and nothing has been resolve. 
- Deletion or correction of the trade-line if any element can not be fully verified ; - A full summary of the results within the 30-day legal timeframe.

Under 15 U.S.C. 1681i, if information can not be verified during a reinvestigation, it must be promptly deleted from the credit file. Your system clearly shows that you did not receive proper validation or documentation from the furnisher of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts 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 2025-07-30 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: AR

Complaint narrative:
XXXX XXXX  has caused a XXXX point drop in my credit score by not updating the correct balance to all three credit bureaus. I have disputed it XXXX times in a row now. Transunion stated they did not even reply, XXXX  replied that XXXX XXXX  verified the amount which is a total farce. On XXXX i paid off {$27000.00}, XXXX months later no update to credit report and even with disputes they are verifying the account incorrectly still and refusing to make changes. This negatively impacts my life and my ability to get financing and the lenders that do approve financing have higher than normal rates based on the false credit report they refuse to update. XXXX dispute did fix it, but the next report update after it went right back to inaccurate information.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX  has caused a XXXX point drop in my credit score by not updating the correct balance to all three credit bureaus. I have disputed it XXXX times in a row now. XXXX  stated they did not even reply, Equifax replied that XXXX XXXX verified the amount which is a total farce. On XXXX i paid off {$27000.00}, XXXX months later no update to credit report and even with disputes they are verifying the account incorrectly still and refusing to make changes. This negatively impacts my life and my ability to get financing and the lenders that do approve financing have higher than normal rates based on the false credit report they refuse to update. One dispute did fix it, but the next report update after it went right back to inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX  has caused a XXXX point drop in my credit score by not updating the correct balance to all three credit bureaus. I have disputed it XXXX times in a row now. XXXX stated they did not even reply, XXXX  replied that XXXX XXXX  verified the amount which is a total farce. On XXXX i paid off {$27000.00}, XXXX months later no update to credit report and even with disputes they are verifying the account incorrectly still and refusing to make changes. This negatively impacts my life and my ability to get financing and the lenders that do approve financing have higher than normal rates based on the false credit report they refuse to update. XXXX dispute did fix it, but the next report update after it went right back to inaccurate information.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is XXXX XXXX XXXX XXXX  The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland Credit Management reached out to me on my little sisters prepaid phone and was XXXX  me about getting someone to serve me papers about a debt I was supposed to owe to XXXX from XXXX  which I had no knowledge of. Only provided me with my mothers address and said they sent papers to my old home which was never sent or received couldnt tell me what type of computer ordered where this was supposed to have been delivered and said I owed XXXX dollars from XXXX  and if I didnt pay XXXX today and XXXX a month until the debt was paid they were sending a police XXXX to my home to serve me papers and sending me to court. Literally XXXX  me for something I know nothing about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-30 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-30 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
Since these accounts were fraudulently opened and not authorized by me, I ask that they be deleted from my credit report within XXXX  days under USC 1681g.

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 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing a colletion account reported by XXXX XXXX XXXX XXXX under Account # XXXX, now managed by XXXX XXXX XXXX XXXX XXXX XXXX This entry violates my rights under federal law. 
.According to 15 U.S.C 1681, Section 602 ( a ), I have the right to privacy regarding my personal credit information. Furthermore, 15 U.S.C 1681b, Section 604 ( a ) ( 2 ) states that a consumer reporting agency may not furnish a consumer report without my written instructions or consent. I never authorized this account to be reported or shared with third parties.

I never authorized this account to be reported or share with third parties. 
I resided at The XXXX XXXX XXXX but vacated the apartment after the company notified me that my lease would not be renewed. I have a copy of the lease agreement, and I vacated the apartment as instructed by the property management. The request to vacate came directly from the company. I complied by turnung in the keys and leaving the unit. 
The comapany falsely claims that I remained in the apartment until XXXX, which is not true. I vacated the apartment earlier, as instructed, and I have the evidence that I complied fully with their request. 
The company also retained my security deposit. 
I also requested a full breakdown of the charges and documentation to validate the debt, but they failed to respond adequately. 
Under the Fair Debt Colletion Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), any debt being collected and reported must be verified and accurate. If the company can not provide proper validation, the entry must be removed immediately from my credit reports.

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 2025-07-30 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: FL

Complaint narrative:
I applied for the {$200.00} BONUS ( limited time offer ) in the beginning of XXXX. 
I then completed a direct deposit over {$400.00} as per terms and conditions to receive {$200.00} bonus XXXX business days later. I patiently waited XXXX business days. 
{$200.00} did NOT post. 
I then kindly contacted customer service requesting the {$200.00}. They asked for a screenshot of the offer, to which I immediately emailed it to them. 
As of today, they still did NOT post the {$200.00} that I rightfully earned.

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