vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: TN

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experian 's failure to uphold consumer protections under 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 2025-08-14 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:
On XX/XX/year>, I discovered that an account reported under XXXX  on my credit reports is not mine. The original creditor ( XXXX ) sold the account to XXXX XXXX XXXX, yet it continues to appear under XXXX inaccurately. I have never opened or authorized this account, and it is the result of identity theft. 

I submitted a dispute to XXXX, including my FTC Identity Theft Report ( No. XXXX ), proof of identity, and supporting credit report documentation, requesting that the account be deleted or corrected. Despite this, the account remains inaccurately reported under XXXX on my credit reports, negatively impacting my credit score.

Pursuant to the Fair Credit Reporting Act ( FCRA ) : 605B / 609 ( e ) A consumer reporting agency must block the reporting of fraudulent information within 4 business days of receiving appropriate identity theft documentation.

611 ( a ) Requires a reasonable investigation and deletion of information that can not be verified as accurate.

623 ( a ) ( 1 ) ( A ) Prohibits furnishing information that is known, or reasonably believed, to be inaccurate.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), debt collectors must cease collection activity until they provide validation of the debt. 

I am requesting that the CFPB investigate XXXX XXXX XXXX and require them to delete this fraudulent / inaccurate account from all credit bureaus in compliance with the above laws.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are two addresses, one employer and two names that are being reported in accurately and it is hindering my chances of new 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 2025-08-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/scrub> 2025. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-08-14 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:
b'The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-14 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:
b'The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-14 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: IL

Complaint narrative:
Heres your ready-to-mail follow-up CFPB dispute letter with your information and the specific companies included : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Follow-Up Fraudulent Hard Inquiries & Collection Accounts To Whom It May Concern, This letter is a follow-up to my previous complaint regarding fraudulent entries on my credit reports. Despite my initial dispute, my credit reports still contain hard inquiries and collection accounts that I did not authorize and did not open. These items are the direct result of fraudulent activity and identity theft.

The fraudulent accounts and inquiries currently showing on my credit reports include, but are not limited to : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX I have never applied for credit with these companies, nor have I authorized them to access my credit file. These actions violate the Fair Credit Reporting Act ( FCRA ) Section 604 and are damaging my credit standing.

Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting immediate action to : 1. Remove all fraudulent hard inquiries from my credit reports.

2. Delete all fraudulent collection accounts not incurred by me.

3. Provide written confirmation that these items have been permanently removed.

For your reference, I have re-attached the following documents : A copy of my government-issued identification.

A recent utility bill for address verification.

My prior dispute letter dated [ Insert Date of Original Dispute ].

I am requesting urgent resolution to prevent further harm to my credit profile. Failure to act within the legally mandated investigation period may result in additional complaints and potential legal action.

Thank you for your immediate attention to this matter. I expect a written confirmation once the fraudulent items have been deleted. 

Sincerely, XXXX XXXX [ Signature ] -- - If you want, I can now make a CFPB online complaint version of this letter so you can copy and paste it directly into their website form thats usually faster than mailing. Would you like me to prepare that next?

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Heres your ready-to-mail follow-up CFPB dispute letter with your information and the specific companies included : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Follow-Up Fraudulent Hard Inquiries & Collection Accounts To Whom It May Concern, This letter is a follow-up to my previous complaint regarding fraudulent entries on my credit reports. Despite my initial dispute, my credit reports still contain hard inquiries and collection accounts that I did not authorize and did not open. These items are the direct result of fraudulent activity and identity theft.

The fraudulent accounts and inquiries currently showing on my credit reports include, but are not limited to : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX I have never applied for credit with these companies, nor have I authorized them to access my credit file. These actions violate the Fair Credit Reporting Act ( FCRA ) Section 604 and are damaging my credit standing.

Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting immediate action to : 1. Remove all fraudulent hard inquiries from my credit reports.

2. Delete all fraudulent collection accounts not incurred by me.

3. Provide written confirmation that these items have been permanently removed.

For your reference, I have re-attached the following documents : A copy of my government-issued identification.

A recent utility bill for address verification.

My prior dispute letter dated [ Insert Date of Original Dispute ].

I am requesting urgent resolution to prevent further harm to my credit profile. Failure to act within the legally mandated investigation period may result in additional complaints and potential legal action.

Thank you for your immediate attention to this matter. I expect a written confirmation once the fraudulent items have been deleted. 

Sincerely, XXXX XXXX [ Signature ] -- - If you want, I can now make a CFPB online complaint version of this letter so you can copy and paste it directly into their website form thats usually faster than mailing. Would you like me to prepare that next?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rosebud Economic Development Corporation
State: MO

Complaint narrative:
I found a complaint with XXXX  XXXX  and experience nothing happened Ive contacted them. They will not do anything. The company is arrow finance

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Klarna AB
State: MI

Complaint narrative:
Im currently trying to improve my credit and XXXX  and ) XXXX  on the XXXX  ) website under credit report is showing collections for Klarna Credit XXXX is showing I owe XXXX dollars which is not mine. Please remove from all three credit bureaus please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
Atlantic Recovery Services is harassing my grown children regarding debts owed. They were told to stop calling and texting about my debt but they continue. I am XXXX due to long XXXX XXXX acquired in 2020 when I was working ; as a former XXXX XXXX XXXXXXXX. I am on XXXX and can not pay debts. 

Current Creditor : XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Original Creditor : XXXX XXXX  Acct # : 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 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX/XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: NY

Complaint narrative:
Starting from XX/XX/XXXX to around XX/XX/XXXX, I have stopped using the XXXX XXXX and have closed my account. I have switched my service to XXXX XXXX XXXX XXXX XXXX XXXX. However, there have been various unauthorized charges on the following dates : XX/XX/XXXX : {$26.00} XX/XX/XXXX : {$24.00} XX/XX/XXXX : {$24.00} XX/XX/XXXX : {$24.00} XX/XX/XXXX : {$24.00} XX/XX/XXXX : {$24.00} Total {$140.00} I have gone to a XXXX branch at XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX NY XXXX to ask for their assistance on this issue at around XX/XX/XXXX, I told the staff that this wasnt my bill. The employees at the XXXX store admitted that it was an error in their system and that this bill does not belong to me. The staff wasnt in position to make the refund, so they called their customer service department to help me resolve this problem. Yet, the department refused to acknowledge the refund for me. XXXX has continued to charge me without my authorization and keeps a claim that I have been using their services for an XXXX XXXX without any evidence. This was all very absurd information because I didnt own an XXXX XXXX, nor did I register service for it. So, I applied for a dispute with mv credit card company. 
On XX/XX/XXXX, I received a statement letter from the Alliance One Collection company, the statement sends a wrong amount $ XXXXto me, so l sent back the letter to them and explained that this was not my bill, this amount is not belong to me. 
I never authorized this payment, and I need to make dispute this debt. The letter shows clearly states " We must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' But They continue to call me daily without any information or evidence. and their attitude towards me wasn't very nice. 
In XX/XX/XXXX, they reported this payment {$210.00} to my credit card company twice without providing any proof that I authorized the payments.

Company response to consumer: Closed with non-monetary relief