vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 consists of a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX BALANCED {$690.00} XXXX XXXX XXXXXXXX BALANCED {$210.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-05-14 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.

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 2025-05-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kompato AI Inc
State: NV

Complaint narrative:
On XXXX XXXX, 2025, I submitted a formal written offer to Kompato AI Inc. to settle a XXXX XXXX debt totaling {$14000.00}. I offered a lump-sum payment of {$2100.00} ( 15 % ) as full satisfaction of the debt. 

This offer was made under the guidance of a licensed attorney and in light of my documented medical and financial hardship. I have XXXX, am under treatment, and have been forced into early unemployment. I clearly stated I would provide medical documentation and financial hardship proof upon written acceptance of the terms. 

My offer included non-negotiable legal terms : Account marked Paid in Full with all credit bureaus Immediate cease of all collection activity No resale or reassignment of the debt Written confirmation prior to any payment These terms are consistent with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Equal Credit Opportunity Act ( ECOA ), which prohibit deceptive collection practices, retaliation, and failure to accommodate valid hardship-based settlement requests. 

Instead of honoring my legal request, XXXX attempted to push a higher amount of {$4200.00} ignoring the original offer and refusing to acknowledge my condition or communication. 

I also requested information about the original creditor and a complete breakdown of the debt, which was not fully or transparently provided. 

Under 15 U.S. Code 1692c & 1692e, I am entitled to clear, non-deceptive communication and accurate representation of debts. XXXX actions violate these statutes by misrepresenting settlement terms and ignoring a good-faith hardship resolution. 

I am requesting CFPB intervention to enforce my rights and require Kompato AI Inc. to : Accept my original 15 % offer Mark the account Paid in Full Provide written confirmation Cease further communication or harassment I have preserved all documentation and email records. I am not refusing to pay I am refusing to be ignored, misled, or mistreated under clear federal protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am a victim of identity theft, and several fraudulent accounts and unauthorized inquiries have appeared on my credit reports across all three major credit bureaus ( XXXX XXXX, and TransUnion ). These accounts were opened without my consent or knowledge and are significantly damaging my credit profile. 

Despite multiple disputes and supporting documentation submitted to the credit bureausincluding a police report, a copy of my government-issued ID, and a copy of my Social Security cardthe following fraudulent accounts and inquiries remain on my credit reports. 

Fraudulent Accounts and Inquiries to Be Removed : XXXX XXXX  ( Account # XXXX ) Charged-off account with inconsistent reporting and no verification. 

XXXX ( Account # XXXX ) Reporting incorrect open dates and credit limits. 

XXXX XXXX Fraudulent auto loan never authorized by me. 

Unauthorized Inquiries from the Following Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize any of the above accounts or inquiries. I have submitted disputes through the credit bureaus and have not received proper investigations or timely resolutions as required by the Fair Credit Reporting Act ( FCRA ). Some of these inquiries and accounts date back several months and continue to report despite being disputed. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in compelling the credit reporting agencies to immediately remove all fraudulent accounts and inquiries listed above and provide a written confirmation of the corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company is reporting a late payment on my account, which I formally disputed. They responded claiming the information was verified, but failed to comply with federal law. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to conduct a reasonable and independent investigationnot simply confirm their own records. Courts have ruled in XXXXXXXX XXXX XXXX XXXX XXXX XXXX Trans Union that failure to do so makes continued reporting unlawful. I have not received documentation showing a proper investigation or lawful reporting process. This constitutes willful noncompliance and ongoing harm to my credit. I am demanding the immediate removal of this inaccurate late payment and full compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
This company is reporting a late payment on my account, which I formally disputed. They responded claiming the information was verified, but failed to comply with federal law. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to conduct a reasonable and independent investigationnot simply confirm their own records. Courts have ruled in XXXXXXXX XXXX XXXX XXXX XXXX XXXX Trans Union that failure to do so makes continued reporting unlawful. I have not received documentation showing a proper investigation or lawful reporting process. This constitutes willful noncompliance and ongoing harm to my credit. I am demanding the immediate removal of this inaccurate late payment and full compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MO

Complaint narrative:
To : TransUnion XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Identity Theft Complaint Regarding Account XXXX XXXX Dear TransUnion and Experian, I am writing to formally dispute the continued reporting of an account listed as XXXX XXXX on my credit report. I have previously disputed this account and clearly stated that it is the result of identity theft, fraud, and misrepresentation. Despite my prior notification and submission of supporting documentation, no appropriate action has been taken. This account continues to appear on my credit report in clear violation of federal law. 

As I have already informed you, I did not authorize, open, or benefit from the XXXX XXXX account. The Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), clearly states that when a consumer notifies a consumer reporting agency that information on their report is the result of identity theft and provides a valid Identity Theft Report, the agency must block the reporting of that information within four ( 4 ) business days of receiving the documentation.

I am attaching again : A copy of my Identity Theft Report A copy of my government-issued ID Proof of residency A signed statement affirming that I did not open or authorize the XXXX XXXX account It has now been well beyond the four-day period since I provided notice of identity theft. The law does not allow the account to remain on my credit report while your agency conducts an investigation. Instead, the FCRA requires immediate blocking of the disputed information, followed by any investigation you deem necessary. 

Continued reporting of this fraudulent account constitutes a violation of 15 U.S.C. 1681c-2 ( a ). Additionally, under 15 U.S.C. 1681n and 15 U.S.C. 1681o, willful or negligent noncompliance with the FCRA can result in civil liability, including actual damages, statutory damages, attorneys fees, and, in the case of willful violations, punitive damages. 

I demand that this account be removed from my credit report immediately and that written confirmation of the deletion be sent to me at the address above. If you fail to comply with this lawful request, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and explore legal action to protect my rights. 

Please consider this letter a final warning. The law is clear, and your obligations are well-established. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Copy of Government ID Proof of Residency Signed Statement of Dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
Multiple companies have accessed my credit report without my authorization, unjustly harming my credit score. Despite prior assurances from Experian, these fraudulent inquiries remain. This may indicate identity theft and is a clear violation of my rights. I demand their immediate removal and a formal explanation. The continued inaction has caused significant financial and emotional harm, and I expect swift resolution without delay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand and notice of legal dispute regarding your companys failure to issue IRS Form 1099-C following the apparent charge-off of the alleged debt associated with account number [ XXXX ]. 

Your failure to provide Form 1099-C not only obstructs my ability to accurately report my tax obligations but also constitutes a potential violation of federal law, specifically : 1. 26 U.S. Code 6050P Returns relating to the cancellation of indebtedness Under this statute, any applicable entity ( including a financial institution, credit union, or federal government agency ) is required by law to file a Form 1099-C with the IRS and provide a copy to the debtor by XX/XX/XXXX of the year following the cancellation of {$600.00} or more in debt. 

Your failure to provide this documentation suggests a violation of 26 U.S.C. 6050P and creates legal exposure to penalties under 26 U.S.C. 6721 and 6722, which impose monetary fines for failure to furnish correct payee statements.

2. Violation of the Fair Credit Reporting Act ( FCRA ) If you are reporting the debt as charged-off or forgiven on my credit report but have not provided the IRS-required documentation , you may also be engaged in willful or negligent misrepresentation under the FCRA ( 15 U.S.C. 1681s-2 ). This includes the duty to provide accurate information to credit reporting agencies and to correct or update incomplete or incorrect data.

3. Potential IRS and CFPB Complaint If I do not receive the proper Form 1099-C within fifteen ( 15 ) days of receipt of this letter, I will proceed with the following actions : File a formal complaint with the Internal Revenue Service ( IRS ) for willful failure to comply with tax reporting requirements. 

File a complaint with the Consumer Financial Protection Bureau ( CFPB ) for failure to provide federally mandated disclosures and documentation. 

Consider civil action under the FCRA for reporting inaccurate or incomplete information to credit bureaus. 

This is your final opportunity to rectify this matter. Please immediately provide a copy of the Form 1099-C, as required by law, and confirm that it has been filed with the IRS. Failure to comply will result in formal complaints and legal action as outlined above.

I expect your response within fifteen ( 15 ) days from the date of this letter. All further communications should be made in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with accuracy. I am demanding the removal of the listed accounts!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NJ

Complaint narrative:
I rented a car from XXXX on XX/XX/year>, and I drove 34 miles during this time. I had possession of the car for about 5 hours. When I returned the car, no visible damage was flagged and the associate took the car keys without any comment. 

XXXX later contacted me saying they found some unusual cosmetic damage, which they spotted through a visual inspection. They have failed to provide any evidence that this cosmetic damage was not pre-existing and yet they continue to make the claim that the damage happened while the car was in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax 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 non-monetary relief
Consumer complaint received 2025-05-15 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: WI

Complaint narrative:
PLEASE REMOVE ALL INCORRECT INFORMATION ON MY CONSUMER REPORT AS I WAS APART OF A FEW BREACHES THAT HAVE CAUSED THE WRONG INFORMATION TO BE ADDED TO MY REPORT. PER FCRA LAW MY CONSUMER REPORT SHOULD BE PROTECTED PLEASE UPDATE MY INFORMATION TO THE INFORMATION ATTACHED TO DISPUTE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
XXXX XXXX IN ACCT # XXXX OPENED ON XXXX, XXXX XXXX  IS AN ACCOUNT THAT WAS OPENED FRAUDULENTLY USING MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE, NOR CONSENT.

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