vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-08-11 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AL

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
Experian has failed to fulfill their legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alledging systemetic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
My son needed a cosigner to apply for a small student loan, so we applied on XXXX. We were denied immediately, the denial reason was " ineligible. '' I monitor my credit via XXXX XXXX, my XXXX  and XXXX  scores are both above XXXX so I shouldn't be denied to cosign a small student loan for less than {$3000.00}. I pulled up XXXX XXXX to double check that there's no new, incorrect information showing up on my credit. There's been no changes or updates to my profile according to XXXX XXXX. Next, I proceed to check my credit with each reporting agency, I had no problem accessing my credit reports with XXXX  and XXXX. When I get to Experian, they are unable to verify my identity so I upload a copy of my drivers license and a statement from my car insurer on XX/XX/year>. After reviewing the credit reports from XXXX  and XXXX  ( unable to see my Experian report at this time ), they are both accurate and show MY history and open accounts. My son 's tuition was due by XX/XX/year> so I attempted to apply for another student loan, this time we applied at XXXX XXXX and again denied. This time I was give a detailed denial letter, that's when I realized Experian is the problem. Experian is pulling the wrong credit report when I attempt to apply for credit. I try to call Experian only to get an automated system that won't connect me to an actual person then inevitably hangs up on the caller. XXXX XXXX directs me to take it up with Experian as well. Then my Experian credit report arrives via USPS mail on XX/XX/year> and I can verify without a doubt, this is NOT MY CREDIT REPORT. With the most obvious error being, the wrong social security number and date of birth. How is an institution that is trusted with a person 's livelihood allowed to be so sloppy, poor at maintaining the right information for the right person? I was denied credit because they can't tell two people apart and now my son may not attend college because of this.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I received an alert from my credit that i did apply for a credit card and I didnt, cheking in the inquiry i got the company name to let them know that I didnt apply for any credit card, they ask some information that i did provide because its a credit card company so after the call they found the account and said they were to close the account, like 3 days later i called back because i was needing the account info to make a complaint, that day the guys didnt want me to let me know the account number of an account that is in my name, then a call back next day to make sure they closed the account, and that girl told me the account was still open that she was to close it, but somebody already closed the account, she provided me the account number and said i was getting a letter but they are been lying, she gave me a balance of XXXX dollars for a card that i didnt apply for, i had to freeze my credit report because some body has my info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute several fraudulent accounts and inquiries that have recently appeared on my credit report. I regret that I don't always check my report as consistently as I should, and unfortunately, this allowed these issues to go unnoticed for some time. Upon reviewing my credit file, I discovered that I am a victim of identity theft. I have strong reason to believe this is connected to the XXXX  Equifax data breach, which exposed the personal information of millions of consumersincluding my own. 

Public Record : XXXX XXXXXXXX Fraudulent Accounts to Be Deleted : The following accounts were not opened or authorized by me and must be permanently removed from my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claim and verify my identity, I have enclosed the following documentation : FTC Identity Theft Report ( Affidavit ) Proof of me being part of the Equifax Breach Proof of address Copy of my government-issued photo ID Copy of my Social Security card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CT

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-08-11 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: AL

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-11 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: MN

Complaint narrative:
Upon reviewing my consumer reports, I noticed late payment entries for my account with XXXX XXXX XXXX XXXX XXXX ( XXXX ) that are inaccurate. I have consistently made all payments on time and have never been late on this account. 

Under the Fair Credit Reporting Act, I am requesting a full investigation into these entries. Please provide documented evidencesuch as account statements or payment recordsshowing that the reported late payments actually occurred. 

If you can not provide such proof, these entries must be corrected immediately to reflect their accurate status as on-time payments, in accordance with my actual payment history.

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 2025-08-11 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: NC

Complaint narrative:
Identity Theft for the following accounts : Accounts in Dispute XXXX XXXX  XXXX XXXX Acct # XXXX Balance {$110000.00} XXXX  XXXX Acct # XXXX Closed, 4 late payments XXXX XXXX XXXX Acct # XXXX Closed, collection history XXXX XXXX XXXX Acct # XXXX Charged-off, {$600.00} XXXX XXXX XXXX  Acct XXXX XXXX Charged-off, {$200.00} XXXX XXXX Acct # XXXX Collection XXXX {$2000.00} XXXX XXXX XXXXXXXX Acct # XXXX Collection, {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Acct # XXXX Collection, {$3700.00} Original creditor : XXXX XXXX XXXX XXXX Hard Inquiries in Dispute XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Identity Theft for the following accounts : Accounts in Dispute XXXX XXXX  XXXX XXXX Acct # XXXX Balance {$110000.00} XXXX  XXXX Acct # XXXX Closed, 4 late payments XXXX XXXX XXXX Acct # XXXX Closed, collection history XXXX XXXX XXXX  Acct # XXXX Charged-off, {$600.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX, {$200.00} XXXX XXXX Acct # XXXX Collection XXXX {$2000.00} XXXX XXXX XXXX  Acct # XXXX Collection, {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Acct # XXXX Collection, {$3700.00} Original creditor : XXXX XXXX XXXX XXXX Hard Inquiries in Dispute XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Identity Theft for the following accounts : Accounts in Dispute XXXX XXXX XXXX XXXX  Acct # XXXX Balance {$110000.00} XXXX  XXXX Acct # XXXX Closed, 4 late payments XXXX XXXX XXXX Acct # XXXX Closed, collection history XXXX XXXX XXXX Acct # XXXX Charged-off, {$600.00} XXXX XXXX XXXX Acct XXXX XXXX Charged-off, {$200.00} XXXX XXXX Acct # XXXX Collection XXXX {$2000.00} XXXX XXXX XXXXXXXX Acct # XXXX Collection, {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Acct # XXXX Collection, {$3700.00} Original creditor : XXXX XXXX XXXX XXXX Hard Inquiries in Dispute XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2025-08-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/scrub>, 2025, I received an email alert that my daughter ( XXXX XXXX ) had an {$100.00} charge on her teen XXXX  account for a purchase from XXXX XXXX  in NY ( we live in PA ) a second attempt was made, but there were insufficient funds to cover the attempted charge. I immediately call her, and she told me she did not make this purchase. I called XXXX  right after I spoke to her and cancelled her card and filled a dispute. The lady told me after it came out of pending, she would start the dispute process. On XX/XX/year>2025, I received a claim denial from XXXX  stating since it was logged on and money was in the account it was denying the dispute. Here are their words : " After careful investigation, we've determined that an error has not occurred, and the dispute claim has not been resolved in your favor. This decision was made because this transaction was not unauthorized.

After careful investigation, were unable to honor the XXXX  Debit claim ( s ) because : There
were consistent logins to the account during the same timeframe that the disputed transactions took place. Our review didnt find any evidence of unauthorized account usage during the disputed transaction timeframe. A review of the account shows that money was available in the account before the disputed transaction ( s ) took place. The amount of money used indicates that the transactions were completed with knowledge of the account balance and activity. Based on the information above were unable to honor the disputed transaction ( s ). '' This was an easy case, we live in PA, the charge was in NY according to their transaction summary. My daughter did not make this purchase and Venmo has a zero-fraud protection that they are refusing to live up too. They will provide no further information on what store or whether it was an online purchase. I spent 2 hrs. on the phone to be repeatly told unless I have other info there is nothing
they can do. THEY have all the evidence, she did not make the purchase, and they will not give me any information on where in NY, what store or if it was even online, but they based it on that she had logged in, someone must have hacked her account, and there was money in the account.
This is a joke, and they need to be held accountable and return my teen daughter ( XXXX XXXX ) money that was fraudulently charge on here teen debit card they claim has XXXX liability.

Company response to consumer: Closed with explanation