vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: WI

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report.Please see attached ftc 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 explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 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.

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MoneyLion Inc.
State: AZ

Complaint narrative:
There is a fraudulent account with Money Lion  on my credit report. I disputed with XXXX XXXX, and they did not do anything to help it be removed from my report. Money lion will not speak to me since I do not have access to the fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I XXXX XXXX pulled all three of my Credit reports and I discovered that I am a victim of Identity theft due to the fact that I have 13 unapproved, unauthorized, unsigned for, Fraudulent Items that I was not aware of on my Credit report. So I went to the Police station and filed a Police Report and called each company. Now I am taking all of the necessary steps to make sure that all of the unauthorized accounts get removed from my Credit report file. Please send the above information to each Vendor so that they can remove the item from my Credit File. I can send you a copy of the Police Report and List all of the Items that don't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute of Inaccurate Information on Credit Report I am writing to dispute certain information that appears on my credit report provided by both Experian. As a consumer, I am entitled to dispute any inaccurate, incomplete, or unverifiable information on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that a consumer reporting agency investigate disputed information within 30 days of receiving notice of the dispute.

The items in question appear to be inaccurate, incomplete, or unverifiable. I have reason to believe that they do not meet the standard of accuracy as required by the FCRA, and I am requesting that they be investigated and corrected or removed as necessary. 
The items I dispute are : XXXX. XXXX XXXX XXXX XXXX XXXX ACCT # XXXX " The account has been sent from a collection company since XX/XX/year>. It has been reported to XXXX, XXXX, Ftc and several letters to Experian. With no accurate update.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been dealing with this same XXXX issue with Transunion for months. I am starting to get frustrated and annoyed because I feel like my rights as a consumer are being played with me. How is it within my rights to be able to challenge anything that I feel is inaccurate but every time I send a letter I get the same response back? 
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and Im left wondering how Im supposed to defend myself when the same issue keeps happening over and over.

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 2025-04-25 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: NY

Complaint narrative:
Im reaching out with urgency and frustration because my credit report contains inaccurate personal information, which has led to the appearance of an account that Ive never seen or authorized. Ive been a victim of identity theft, and my information was clearly used without my consent. I followed all proper procedures, including filing an FTC identity theft report as advised by TransUnion, yet this fraudulent account is still showing. This is incredibly distressing, especially since Ive already taken the right steps to resolve it.

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 2025-04-25 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: TX

Complaint narrative:
b'XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX, TX XXXX\nXXXX\nXXXXXXXX\nXXXX\nDate: XXXX2025\n\nTo:\nConsumer Financial Protection Bureau\nXXXX XXXX XXXX\nXXXX, DC XXXX\nor submitted via: https://www.consumerfinance.gov/complaint/\n\nSubject: Formal Dispute and Complaint Against Credit Bureaus for Reporting Inaccurate/Unverifiable Collection Accounts\n\nTo Whom It May Concern,\n\nI am filing this formal dispute and complaint with the Consumer Financial Protection Bureau regarding the failure of the credit reporting agencies (Experian, TransUnion, and Equifax) to remove inaccurate, outdated, and/or unverifiable collection accounts from my credit reports in violation of the Fair Credit Reporting Act (FCRA).\n\nI have previously disputed the following collection accounts directly with the credit bureaus, but they continue to remain on my credit file despite being inaccurate, incomplete, or unverified. Under 15 U.S.C.  1681i, credit bureaus are required to conduct a reasonable investigation and delete any information that cannot be verified within 30 days. They have failed to comply with this obligation.\n\nThe collection accounts listed below do not meet FCRA accuracy standards, and either:\n\nAre not mine\n\nAre the result of identity theft or errors\n\nWere not properly validated by the data furnisher\n\nHave missing or inaccurate information\n\nAre reporting past the legal statute of limitations for reporting negative information (7 years for most items under 15 U.S.C.  1681c)\n\nAccounts in Question:\n\n XXXX XXXX XXXX Account #XXXX Reason: Not mine/No validation\n\nDEPT OF ED/XXXX  Account #XXXX XXXX \nReason: No validation \n\nXXXX XXXX XXXX   Account #XXXX  Reason: Not mine/No validation\n\nXXXX XXXX XXXX   Account#XXXX Reason: No validation\n\nXXXX XXXX   Account#XXXX Reason: No validation\n\nXXXX XXXX XXXX XXXX  Account#XXXX Reason: No validation\n\nXXXX XXXX  Account#XXXX  Reason: No validation\n\nI am requesting immediate removal of these accounts from my credit reports and a thorough investigation into the credit bureaus practices regarding these entries. I have attached supporting documentation, including:\n\n\nIdentification and proof of address\n\n\nThis matter has caused significant harm to my credit standing and financial well-being. If these items are not permanently removed and this matter not resolved swiftly, I will consider escalating further with legal counsel and filing a formal complaint with the Federal Trade Commission (FTC) and State Attorney General.\n\nPlease investigate and respond accordingly. I expect a response within the timeframe required by law.\n\nSincerely,\nXXXX XXXX XXXX\n\nAttachments:\n\nGovernment-issued ID\n\nUtility bill or lease (proof of address)'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX XXXX XXXX  on XX/XX/year> account is showing in collection / account is showing on 2 bureaus only Transunion and Experian, not showing on XXXX  account Status is shown as open on Transunion but closed on Experian which is being inconsistently reported among the national 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 2025-04-25 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:
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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-25 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: CA

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-04-25 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: GA

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy as required. These reporting errors are having a significant and ongoing negative impact on my financial stability and personal well-being. 

This situation is placing an undue burden on me during an already difficult time.

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 2025-04-25 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: TX

Complaint narrative:
am writing to formally dispute certain information reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. I believe that the information related to my account with XXXX XXXX  ( Account number : XXXX ) is inaccurate and request an immediate investigation and correction or removal of the disputed data. 

Specific Item in Dispute : The report indicates a late payment or activity in XX/XX/XXXX ; however, the last payment made on this account was in XX/XX/XXXX. This information is inaccurate and outdated. 

Basis for Dispute : Under the FCRA, I am entitled to dispute any information I believe to be incomplete, inaccurate, or outdated ( 15 U.S. Code 1681i ( a ) ( 1 ) ). I assert that this negative information is incorrect because the last activity on this account was in XX/XX/XXXX, and any reports of later late payments are erroneous. 

Request for Correction : In accordance with 15 U.S. Code 1681i ( a ) ( 5 ), I request that your agency conduct a reasonable reinvestigation of this disputed information, review all relevant documentation, and, if the dispute is verified, update or delete the inaccurate information. Please provide me with the results of your investigation in writing. 

Please complete your investigation within 30 days as required by the FCRA, and provide me with written confirmation of the results. If the disputed information is found to be inaccurate or can not be verified, I request its immediate removal from my credit report per 15 U.S. Code 1681i ( a ).

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
am writing to formally dispute certain information reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. I believe that the information related to my account with XXXX XXXX  ( Account number : XXXX ) is inaccurate and request an immediate investigation and correction or removal of the disputed data. 

Specific Item in Dispute : The report indicates a late payment or activity in XX/XX/XXXX ; however, the last payment made on this account was in XX/XX/XXXX. This information is inaccurate and outdated. 

Basis for Dispute : Under the FCRA, I am entitled to dispute any information I believe to be incomplete, inaccurate, or outdated ( 15 U.S. Code 1681i ( a ) ( 1 ) ). I assert that this negative information is incorrect because the last activity on this account was in XX/XX/XXXX, and any reports of later late payments are erroneous. 

Request for Correction : In accordance with 15 U.S. Code 1681i ( a ) ( 5 ), I request that your agency conduct a reasonable reinvestigation of this disputed information, review all relevant documentation, and, if the dispute is verified, update or delete the inaccurate information. Please provide me with the results of your investigation in writing. 

Please complete your investigation within 30 days as required by the FCRA, and provide me with written confirmation of the results. If the disputed information is found to be inaccurate or can not be verified, I request its immediate removal from my credit report per 15 U.S. Code 1681i ( a ).

Thank you for your prompt attention to 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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I have been waiting for my check to show up from PNC from account they closed with no real reason. At this point I have not had access to my money for a month and feel like I am being held XXXX by PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: MO

Complaint narrative:
Car was a total loss and insurance paid out the remaining balance. Loan is still being shown on credit report has late and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I sent this to the credit reporting company I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guidelines I received an email that my dispute results were ready almost instantly. The results just said remains. I disputed it again using the same verbiage as above XX/XX/year> and again received the same email stating my results were ready but no information on their investigation.

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief