vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft, and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, but they actually have registered different addresses under my name, which I never gave consent for, and now I can't even pull up my Experian account for that matter.I need to have my address updated at the soonest possible time, please, so as to make sure all my information is protected.

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 2025-09-24 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: FL

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in the credit report identified as listed below. I demand an immediate investigation to resolve any inaccuracy on the credit report, or else you must delete them from my credit report. 

1ST PART OF THIS LETTER : CREDIT INQUIRIES I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act, Section 1681b ( c ), and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below, I never authorized them, and I ask that your agency please remove them from my credit report. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX PART OF THIS LETTER : INACCURATE INFORMATION 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 that 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 ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

I demand that the following account be verified or removed immediately : [ Insert account details here ] Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also, be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, nor does the absence of such documentation allow you to delay the processing of a consumers letters to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
XXXX XXXX - XX/XX/XXXX - {$110.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I cosigned for my grandson to buy a car. He lost his job and went to another state to work. Westlake called me over 210 times wanting me to pay these notes. The answer was the same, " I can't pay my grandsons bills, I have my own bills to pay. I also have a car note, and home bills to pay. I am XXXX years old and my XXXX XXXX check only goes so far. I am a XXXX  for 25 years, and if I had known all these problems would cropped up I would have thought twice before cosigning for a car. I can not pay this loan company. They are rude, and cold hearted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LEXISNEXIS
State: IL

Complaint narrative:
My personal information was leaked in Lexus Nexus data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
This dispute concerns the inaccurate reporting of accounts that do not belong to me. I never opened, authorized, or approved these accounts, and I was not notified when they were added to my credit file. To make matters worse, each bureau is reporting different and conflicting information. This is a violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain the highest level of accuracy.

It is also a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers have access to complete and accurate disclosures.

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 2025-09-24 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: MD

Complaint narrative:
My credit report contains inaccurate addresses and multiple fraudulent accounts. Only three addresses are correct, but dozens of old or unrelated addresses remain.

Several negative accounts are being reported that are either fraudulent, obsolete, or were previously deleted after I submitted an identity theft police report and FTC Identity Theft Report. Despite this, Experian reinserted a U.S. Department of Education student loan tradeline that was paid off in XXXX. This reinsertion occurred in XXXX without providing me with the required written certification from the furnisher, in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Additionally, adverse information older th

an seven years is still being reported, which violates FCRA 605 ( a ). I have repeatedly disputed these items and provided supporting documentation, including a police report and FTC Identity Theft Report, which require the bureaus to permanently block fraudulent tradelines under FCRA 605B.

I am requesting the immediate removal of all inaccurate addresses, permanent deletion of fraudulent and obsolete accounts, removal of any accounts older than seven years, and permanent blocking of the reinserted student loan tradeline. The bureaus have failed to follow federal law, and I am seeking CFPB assistance to enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I booked a round-trip flight through XXXX for {$500.00} ( XXXX, XXXX  XXXX , XXXX, XXXX XXXX XXXX ) and was later charged an additional {$19.00} due to an XXXX agents error. XXXX admitted their representative mishandled my booking, yet refused to refund me, instead offering a restrictive {$150.00} credit that can not be used on major airlines and does not constitute a refund. 

I disputed the {$500.00} charge with Chase. During the dispute process, a Chase representative specifically instructed me to submit all documentation proving the flight was booked through XXXX. I submitted this documentation exactly like you asked. That same representative assured me that once my documentation was received, my case would be reopened and the credit reversal of {$500.00} would remain intact. 

Despite this assurance, Chase contradicted itself by reversing my temporary credit and closing my case against me, even though I had followed their instructions and provided complete evidence. They are now saying that I need to provide proof of XXXX saying they would refund me the money. Which I have been working on. 

This situation was not my fault it was caused entirely by XXXX mishandling and Chases contradictory handling of my dispute. As a result, I have suffered financial harm ( loss of {$520.00} total ) and significant emotional distress from being denied a fair resolution after doing everything correctly. They made me feel as if it was my fault and took XXXX 's side after expressing concern and that they would help me resolve this situation. XXXX only charged me a fee that they refunded after confirming that one of their agents broke my booking and turned it into a one-way ticket that was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally challenging fraudulent accounts that are currently listed on my credit report. These accounts are not mine, were not authorized by me, and represent false and damaging information that has no basis in fact. Their presence is a clear error that undermines the accuracy and fairness of my credit history. The continued reporting of such accounts is unjust and harmful, and I will not accept inaction in 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 explanation
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
Ensure deletion of the disputed accounts within 15 days as mandated by 15 U.S. Code 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 2025-09-24 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:
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. 

Please delete the following accounts : XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal SP PLUS - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX 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 generally, 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report 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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts currently appearing on my credit report. These accounts were neither opened by me nor authorized by me. Their presence is factually inaccurate, legally improper, and detrimental to the integrity of my credit standing.

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 2025-09-24 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: Zions Debt Holdings
State: MD

Complaint narrative:
This is a debt collection agency that has reported to all credit bureaus regarding a past debt associated with a contract that I am required to pay in order to have it removed from my record. However, the original company, XXXX XXXX XXXX XXXX, extended the contract without my consent. They have now transferred the matter to the following company : ZIONS DEBT HOLDINGS XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX I have made several attempts to obtain a copy of the contract to verify its legitimacy. It has been over six weeks since I made my official request via email, letter, and phone call. They are consistently refusing to provide any documentation. I would appreciate your guidance on this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX - XX/XX/XXXX - {$7200.00} XXXX XXXXXXXX XXXX XX/XX/XXXX - {$10000.00} XXXX - XX/XX/XXXX - {$2100.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XX/XX/XXXX - {$16000.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} XXXX XXXXXXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX - XX/XX/XXXX - {$2300.00} XXXX - XX/XX/XXXX - {$4800.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXXXXXX XXXX XX/XX/XXXX - {$7100.00} XXXX XXXX - XX/XX/XXXX - {$14000.00} XXXX - XX/XX/XXXX - {$1200.00} XXXX CARD - XX/XX/XXXX - {$7700.00} XXXX XXXX  - XX/XX/XXXX - {$11000.00} XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XX/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 2025-09-24 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been reporting an account that was opened without my knowledge despite being informed it was obtained/opened fraudulently opened XX/XX/year> amount XXXX Ive contacted them via mail, phone, email, fax. 
I have notified them and filed an FTC complaint

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 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Mohela is reporting my payment history incorrectly. They claim I did not make my XX/XX/year> payment, but I've sent them proof that it was made directly from XXXX bank. I have called them 3 times and they said they can't rectify the problem until they find the payment on their end.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute fraudulent accounts that have been improperly placed on my credit report. I had no involvement in the creation or authorization of these accounts, nor did I provide any consent for them to exist under my name. Their presence represents an egregious inaccuracy, damaging my credit profile and misrepresenting my financial history.

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