vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-12-03 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: Kikoff Inc.
State: FL

Complaint narrative:
This complaint is ONLY about the fraud/ potentially fraudulent classification XXXX  applied to my Kikoff account in CFPB Complaint # XXXX. 
XXXX  reported to the CFPB that my Kikoff account may be fraudulent.I never filed any fraud claim with Kikoff or XXXX.To verify this, I mailed Kikoff a written dispute certified with return receipt to their published address : XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX returned the letter as Return to Sender. 
Because Kikoff refused or failed to accept my dispute, they prevented me from disputing the fraud classification that XXXX  used in CFPB Complaint # XXXX constitutes potential violations of : * FCRA 623 ( a ) ( 2 ) duty to correct and update information * FCRA 623 ( a ) ( 8 ) duty to accept and investigate direct disputes * FCRA 623 ( b ) duty to investigate disputes forwarded by a CRA By refusing delivery, Kikoff blocked my dispute from even beginning. 

Legal Rights Notice Because of the violations listed above, I am reserving all rights to pursue any and all remedies available under federal law if this issue remains unresolved. 
( This is not a threat it simply preserves my legal rights under the FCRA. ) This complaint focuses only on the specific fraud/potential fraud classification used by XXXX in CFPB Complaint # XXXXKikoff must verify it or the account should be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

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 2025-12-03 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX  Account number XXXX Account type Mortgage Date opened XX/XX/XXXX Balance {$160000.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$10000.00} Account name XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$17000.00} Account name XXXX XXXX  Account number XXXX Account type Date opened XX/XX/XXXX Balance {$590.00}

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 2025-12-03 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-03 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Prince Parker & Associates
State: CA

Complaint narrative:
Keep getting caught threatening to sue me, saying I have a debt. Ive asked them to provide me with debt proof of it. They have failed to do so all they sent me was information stating that they needed me to fill out a police report stating that I had identity theft, which I told them I had happened to me and I told him I was not responsible for the debt.

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 2025-12-03 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:
I am submitting this formal notice to report a suspected breach of my personal and financial information. There is reason to believe that my private data may have been accessed and/or used without my authorization.

Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy regulations, I am entitled to the protection of my information and prompt notification of any unauthorized activity. I am requesting that you take the following actions immediately : Conduct a full investigation into any unauthorized access or accounts associated with my identity Correct and/or remove any inaccurate information resulting from this breach Provide written confirmation of the results of your investigation and all corrective actions taken Failure to resolve this matter promptly may result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Please confirm receipt of this notice immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
XXXX XXXX XXXX is reporting a collection and never verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: WI

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: WI

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this 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 2025-12-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint because Experian is reporting two accounts that do not belong to me, and Experian has failed to verify these accounts with documentation after my disputes. The accounts are XXXX XXXX ( Account ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$2000.00}, opened XX/XX/2020, and XXXX ( Account ending XXXX XXXX XXXX XXXX XXXX XXXX with a high balance of {$5200.00}, opened XX/XX/2020. I disputed both accounts, and Experian responded only with the furnisher verified the information as accurate, but no actual documentation was provided to prove ownership or authorization. 

I received documents from XXXX that included sales receipts and delivery confirmations, but these do not prove that I opened or authorized a credit account. No signed application, identity authentication, or account-opening records were provided by either furnisher. Under FCRA, a furnisher must provide proof of identity match and account origination, not just billing records. Experian accepted the furnishers response without confirming the accuracy of the information. 

Additionally, I was a confirmed victim in the XXXX/ XXXX XXXX XXXX  Data Breach ( Case No. XXXX ), meaning my personal information was exposed and could have been used to open fraudulent accounts. Because of this, Experian has an obligation to require actual verification rather than relying on automated responses. 

I am requesting that Experian provide documentation proving ownership of these accounts including signed credit applications, identity verification from the date of opening, and all supporting documents used to verify the accounts. If Experian can not provide this documentation, both accounts should be permanently deleted under the FCRA for lack of verification.

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 2025-12-03 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: U.S. BANCORP
State: PA

Complaint narrative:
I am filing a complaint because XXXX  is reporting two accounts that do not belong to me, and XXXX  has failed to verify these accounts with documentation after my disputes. The accounts are XXXX XXXX ( Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$2000.00}, opened XX/XX/year>, and XXXX ( Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with a high balance of {$5200.00}, opened XX/XX/year>. I disputed both accounts, and XXXX  responded only with the furnisher verified the information as accurate, but no actual documentation was provided to prove ownership or authorization. 

I received documents from XXXX that included sales receipts and delivery confirmations, but these do not prove that I opened or authorized a credit account. No signed application, identity authentication, or account-opening records were provided by either furnisher. Under FCRA, a furnisher must provide proof of identity match and account origination, not just billing records. XXXX  accepted the furnishers response without confirming the accuracy of the information. 

Additionally, I was a confirmed victim in the XXXX XXXX XXXX XXXX Data Breach ( Case No. XXXX ), meaning my personal information was exposed and could have been used to open fraudulent accounts. Because of this, XXXX  has an obligation to require actual verification rather than relying on automated responses. 

I am requesting that XXXX  provide documentation proving ownership of these accounts including signed credit applications, identity verification from the date of opening, and all supporting documents used to verify the accounts. If XXXX  can not provide this documentation, both accounts should be permanently deleted under the FCRA for lack of verification.

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 2025-12-03 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: GA

Complaint narrative:
I am disputing the following accounts, which I believe are inaccurate and are affecting my credit report. Below are the details for each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I keep going back and forth with this company about information on my credit report. I went on line and it plainly said the account was closed on XXXX XXXX they are reporting this account as not being paid since last year. I want this account remove off 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filing a complaint about an unauthorized hard inquiry by Credit Acceptance.

Credit Acceptance appears as a hard inquiry on my XXXX  credit report with an inquiry date of XX/XX/year>. I did not apply for auto financing or any other credit with Credit Acceptance on or around this date and did not authorize a credit pull. 

I requested documentation from the company showing a permissible purpose and my authorization under the FCRA ( such as a signed application ). They have not provided this documentation, and the inquiry remains on my 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB OFFICIAL COMPLAINT Complainant : XXXX XXXX XXXX, GA Phone : XXXX Email : XXXX Company : Equifax Information Services LLC Issue Type : Credit Reporting Unauthorized / Fraudulent Credit Inquiries I am submitting this complaint against Equifax for failure to properly investigate and remove multiple unauthorized and fraudulent hard inquiries that appear on my credit report. On XX/XX/XXXX, I formally submitted a written dispute to Equifax along with valid supporting documentation, requesting the removal of these inquiries under the Fair Credit Reporting Act ( FCRA ), Sections 604 and 611. 
Instead of conducting a lawful reinvestigation, Equifax only sent me a generic identity theft information letter and failed to provide any proof of verification or remove the fraudulent inquiries. These inquiries were NOT authorized by me, I did not apply for credit with these companies, and I did not give permission for access to my credit file. These unauthorized inquiries are damaging my credit profile. 
Fraudulent / Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am requesting that Equifax : 1. Immediately conduct a lawful reinvestigation of each inquiry. 2. Provide documentary proof of permissible purpose for each inquiry. 3. Permanently delete all unauthorized inquiries. 4. Provide written confirmation and an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My property insurance is due on XX/XX/year>. PHH Mortgage last paid the policy on XX/XX/year>. Since they have not paid this year the insurance company ( XXXX ) billed me directly - even though there is over $ XXXX in my escrow account. I contacted PHH on XX/XX/year> and emailed them the bill. They reassured me that they would pay the bill. I checked today and still there have been no released from the escrow account to pay the insurance. As time ticks down, I fear I will have to pay the policy out of pocket to ensure it doe snot lapse due to non-payment.

Company response to consumer: Closed with explanation