vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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 non-monetary relief
Consumer complaint received 2025-07-25 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.
State: CA

Complaint narrative:
My payment history is consistently positive, making this late payment inaccurate. Please delete it and revise my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach ; inquiries Seen Finance/ccb XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023

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 2025-07-25 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: LA

Complaint narrative:
I am the victim of identity theft and ongoing data breaches, confirmed by multiple FTC Identity Theft Reports ( reference numbers : XXXX, XXXX, XXXX ) and official breach alerts ( Experian, Equifax, XXXX ). Despite sending numerous formal disputes, legal notices, and submitting regulatory complaints since XX/XX/XXXX, the credit bureaus and data furnishers have failed to remove or block fraudulent accounts and unauthorized inquiries from my credit report as required by federal law. 

The fraudulent accounts still being reported include : XXXX XXXX XXXX XXXX XXXX XXXX ( {$51000.00} ) XXXX XXXX XXXX XXXX ( {$29000.00} ) XXXX XXXX XXXX Account ( {$670.00} ) There are also multiple unauthorized hard inquiries and other negative items linked to these and other accounts. 

I have repeatedly provided official FTC Identity Theft Reports, breach documentation, evidence logs, and have requested immediate action under FCRA 1681c-2, 1681i, and 1681s-2 ( b ). All statutory deadlines ( 30/60 days ) for action have passed, yet the bureaus and furnishers have refused to comply. 

This pattern of noncompliance is willful and ongoing, and I am suffering harm due to the continued inaccurate and fraudulent reporting on my credit.

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 2025-07-25 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.
State: LA

Complaint narrative:
I am the victim of identity theft and ongoing data breaches, confirmed by multiple FTC Identity Theft Reports ( reference numbers : XXXX, XXXX, XXXX ) and official breach alerts ( Experian, Equifax, XXXX ). Despite sending numerous formal disputes, legal notices, and submitting regulatory complaints since XX/XX/XXXX, the credit bureaus and data furnishers have failed to remove or block fraudulent accounts and unauthorized inquiries from my credit report as required by federal law. 

The fraudulent accounts still being reported include : XXXX XXXX XXXX XXXX XXXX XXXX ( {$51000.00} ) XXXX XXXX XXXX XXXX ( {$29000.00} ) XXXX XXXX XXXX Account ( {$670.00} ) There are also multiple unauthorized hard inquiries and other negative items linked to these and other accounts. 

I have repeatedly provided official FTC Identity Theft Reports, breach documentation, evidence logs, and have requested immediate action under FCRA 1681c-2, 1681i, and 1681s-2 ( b ). All statutory deadlines ( 30/60 days ) for action have passed, yet the bureaus and furnishers have refused to comply. 

This pattern of noncompliance is willful and ongoing, and I am suffering harm due to the continued inaccurate and fraudulent reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone had used my name on XX/XX/year> so apply for a Capital One Platinum card. They were denied but this hard inquiry is on my credit report and I did not apply for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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. 

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 XXXX XXXX. 

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 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Subject : Request to Remove Security Freeze/Fraud Alert I am writing to request the removal of any security freeze and fraud alert on my credit file. 
Please remove all active freezes or fraud alerts currently associated with my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
This CFPB complaint is being filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of accounts opened at ( XXXX ) XXXX on XX/XX/year>, under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  under the account number # XXXX ( XXXX XXXX XXXXunder the account number # XXXX. I did not open, authorize, or initiate this account. These accounts are the result of identity theft and fraud and is causing substantial harm to my credit file. I have no association with this account and do not recognize any transactions or activities related to it. I have attached : A copy of my FTC Identity Theft Report A government-issued photo ID Proof of address A statement of identity theft

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Being a victim of identity theft has been such a XXXX  me feeling experience that left me feeling XXXX  and XXXX. I have suffered greatly. I found out that somebody used my personal information and used my personal information and used it to open credit cards take out loans and make fraudulent purchases, leaving me with significant amount of debt that Id didnt incur. Its frustrating and overwhelming to deal with the aftermath. I look forward to resolving the issue with the help of the FTC. This account for the result of a person or company using my personal information without my consent to obtain goods and services fraudulently and I have not benefited from any of it. I demand this account be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
I am filing this complaint because there is inaccurate and/or fraudulent information being reported on my credit report, and the company involved has failed to correct it after I submitted a formal dispute. 

Specifically, Transunion, XXXX, and Experian is reporting [ describe the item : e.g., a delinquent account, late payment, collection account, charge-off, etc. ] that I do not recognize or that is the result of identity theft or inaccurate reporting. 

I previously contacted the company and/or the credit bureaus to dispute this information under my rights afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and provided supporting documentation ( such as [ proof of payment, identity theft affidavit, police report, or correspondence ] ). However, they failed to conduct a proper investigation or update/correct the inaccurate information within the XXXX time frame required by law.

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 2025-07-25 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.
State: LA

Complaint narrative:
I am filing this complaint because there is inaccurate and/or fraudulent information being reported on my credit report, and the company involved has failed to correct it after I submitted a formal dispute. 

Specifically, Transunion, XXXX, and Experian is reporting [ describe the item : e.g., a delinquent account, late payment, collection account, charge-off, etc. ] that I do not recognize or that is the result of identity theft or inaccurate reporting. 

I previously contacted the company and/or the credit bureaus to dispute this information under my rights afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and provided supporting documentation ( such as [ proof of payment, identity theft affidavit, police report, or correspondence ] ). However, they failed to conduct a proper investigation or update/correct the inaccurate information within the XXXX time frame required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-25 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.
State: CA

Complaint narrative:
I do not recognize these accounts and have reason to believe they are fraudulent. I request immediate action to investigate and remove them. Ive included evidence to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
I am submitting this complaint due to multiple inaccurate and unverifiable accounts being reported by XXXX, which are harming my credit profile and violating the Fair Credit Reporting Act ( FCRA ). 
I submitted a formal written dispute ( Confirmation # XXXX ) to XXXX, XXXX, Transunion, regarding the following accounts : XXXX. XXXX XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX, XXXX  These accounts reflect inaccurate balances, unverifiable payment history, and data that was not corrected after my previous dispute. 
I have not received full validation, including : Original signed contracts Full payment history Chain of custody XXXX  has not fulfilled its obligations under : 15 U.S.C. 1681i failure to investigate and correct 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy 15 U.S.C. 1681s-2 ( b ) failure of furnishers to respond with verified 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 2025-07-25 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:
I have a strong history of timely payments, so this late payment entry is both inaccurate and deceptive. I ask that it be removed and my records corrected.

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 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery is the name of the collection agency and they say I have 2 credit cards in total approximately {$1400.00} between them. Ive been fighting them for about 2.5 years to get this removed and Ive sent them EVERYTHING they asked for and they say they didnt receive anything. About XX/XX/year> is when it all started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-07-25 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.
State: MI

Complaint narrative:
This CFPB complaint is being filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of accounts opened at ( 1 ) XXXX on XX/XX/year>, under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  under the account number # XXXX ( XXXX ) XXXXunder the account number # XXXX. I did not open, authorize, or initiate this account. These accounts are the result of identity theft and fraud and is causing substantial harm to my credit file. I have no association with this account and do not recognize any transactions or activities related to it. I have attached : A copy of my FTC Identity Theft Report A government-issued photo ID Proof of address A statement of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX Report Date : XX/XX/XXXX Bureaus Affected : Equifax, XXXX, TransUnion Category : Credit reporting Incorrect information on your credit report : I am filing a formal complaint against the credit reporting agencies Equifax, XXXX, and TransUnion for reporting multiple fraudulent and inaccurate accounts on my credit file. These accounts are either not mine, incorrectly linked to my identity, or unverifiable under FCRA and Metro 2 standards.

I have submitted disputes to each bureau with supporting ID, but these accounts have not been removed or validated within the required time under FCRA 1681i. I am now escalating due to failure to verify, data mismatching, and improper handling of my personal information. 
List of Disputed Accounts : Regional Finance 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain either unauthorized tradelines, identity mismatches, or unverifiable debt. I never authorized them, and the bureaus have not produced documentation such as a signed application or contract. 

I am attaching my dispute letters, ID, and proof of address, FTC affidavit as part of this complaint. I ask that the CFPB escalate this case and ensure these items are permanently removed from my credit reports. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief