vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: American Credit Acceptance, LLC
State: OH

Complaint narrative:
SEE ATTACHMENT This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  A auto loan account opened at AMERICAN CREDIT ACCEPT on XX/XX/XXXX an, on XXXX XX/XX/XXXXXXXX  with a balance of {$50.00} that appears related to the aforementioned personal account opened at XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: GA

Complaint narrative:
After filing my complaint, Checkr responded stating that they have withdrawn consent for XXXX to run background checks on me and have informed XXXX of this action. However, I never gave written consent for a background check in XX/XX/scrub>XXXX XXXX to begin with. Despite this, Checkr still ran and sent that background check to XXXX. 

As a result, my XXXX account has now been permanently deleted, which has impacted my income and ability to work. Checkr claims they only conduct background checks at the request of their customers, but XXXX support already confirmed to me that they did not initiate or authorize a new background check with my consent. 

This situation raises serious concerns regarding : A violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires clear written consent before background checks. 
The improper sharing and use of my personal information. 
Potential negligence or a data handling error between Checkr and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On or around XX/XX/scrub> 2025, Experian reported a 60-day late payment on an auto loan account from XXXXXXXX ( account ending in XXXX ). This late mark caused a significant drop in my credit scores : XXXX XXXX Score : Dropped by XXXX points XXXX Auto Score ( used by auto lenders ) : Dropped by XXXX points I immediately disputed the inaccuracy, as the account had been paid in full and closed months prior. The dispute was completed on XX/XX/year>, and Experian updated the account to reflect Paid, Closed/Never Late. This means the negative item was incorrect and fully removed, which is appreciated. 

However, my XXXX XXXX score only recovered XXXX points, and my XXXX XXXX score remains severely impacted, despite the correction. I am concerned that the scoring model did not properly update or that a residual flag ( such as a dispute remark or suppressed data ) is still suppressing my scores. 

I am requesting that Experian : Conduct a full manual recalculation of my credit score based on the corrected report.

Confirm that no residual dispute codes or suppressions remain on the account.

Provide a written explanation if the corrected account still leads to reduced scores.

This inaccurate report and the delayed score recovery have potentially impacted my ability to qualify for favorable financing terms. I have attached screenshots of the score drop, dispute confirmation, and corrected account for review.

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 2025-07-29 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: VA

Complaint narrative:
On or around XX/XX/scrub> 2025, Experian reported a 60-day late payment on an auto loan account from XXXXXXXX ( account ending in XXXX ). This late mark caused a significant drop in my credit scores : XXXX XXXX Score : Dropped by XXXX points XXXX Auto Score ( used by auto lenders ) : Dropped by XXXX points I immediately disputed the inaccuracy, as the account had been paid in full and closed months prior. The dispute was completed on XX/XX/year>, and Experian updated the account to reflect Paid, Closed/Never Late. This means the negative item was incorrect and fully removed, which is appreciated. 

However, my XXXX XXXX score only recovered XXXX points, and my XXXX XXXX score remains severely impacted, despite the correction. I am concerned that the scoring model did not properly update or that a residual flag ( such as a dispute remark or suppressed data ) is still suppressing my scores. 

I am requesting that Experian : Conduct a full manual recalculation of my credit score based on the corrected report.

Confirm that no residual dispute codes or suppressions remain on the account.

Provide a written explanation if the corrected account still leads to reduced scores.

This inaccurate report and the delayed score recovery have potentially impacted my ability to qualify for favorable financing terms. I have attached screenshots of the score drop, dispute confirmation, and corrected account for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 explanation
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-29 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-07-29 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: OK

Complaint narrative:
These inquiries were not authorized by me, Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
The listed late payment doesnt align with my payment history. Please verify and correct it if found inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: DE

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or removed.

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 2025-07-29 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: NC

Complaint narrative:
I am submitting this notice under oath to inform you that there are material misstatements and unauthorized trade lines on my consumer reports resulting from Equifax Data Breach ( XXXX XXXX. XXXX XXXX  XXXX ). The erroneous tradelines were reported as a result of identity theft, and the placement of this materially false information violates my rights under the following federal laws : 15 U.S.C. 7001 ( c ) ( E SIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s 2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c 2 ( a ), credit agencies must remove information obtained through identity theft once they get an appropriate report. I believe that the entries below on my credit report are outdated, fraudulent and made through unfair means : XXXX. XXXX XXXX  / Account # XXXX Date Opened XXXX XXXX {$790.00} XXXX. XXXX XXXX  XXXX Account XXXX XXXX Date Opened XXXX XXXX {$890.00} XXXX. XXXX XXXX Account # XXXX Date Opened XXXX XXXX {$4700.00} XXXX. XXXX XXXX Account # XXXX Date Opened XXXX XXXX {$4400.00} XXXX. XXXX XXXX Account # XXXX Date Opened XXXX Balance {$8200.00} Creating and continuing to report these accounts without my authorization violates the provisions of the Fair Credit Reporting Act. This provision requires credit reporting agencies to delete any information related to fraudulent transactions as soon as they are notified of a valid report regarding identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: KS

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
XXXX XXXX and XXXX VIOLATIONS LISTED ON MY CREDIT REPORT. PLEASE DELETE IMMEDIATELY. 
XXXX. XXXX XXXX XXXXXXXX FCRA 611 Dispute Inaccurate Reporting XXXX XXXX  XXXX ( Account # XXXX ... ) XXXX. XXXX XXXX FCRA 611 Dispute Misclassified Account XXXX XXXX ( Account # XXXX ) XXXX. XXXX  XXXX  ( Installment ) FCRA 611 Dispute Incomplete Charge-Off Reporting XXXX  XXXX  ( Acct # XXXX ) XXXX. XXXX ( Revolving ) FCRA 611 Dispute Reporting Inconsistency XXXX  ( Acct # XXXX ) XXXX. XXXX  FCRA 611 & XXXX XXXX Unverifiable Charged-Off Account XXXX  ( Acct # XXXX  ) XXXX. Public Record : Bankruptcy FCRA 609/611 Dispute Improper Public Record Reporting Bankruptcy Filings

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 2025-07-29 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
An international wire was sent to my Wells Fargo account and confirmed with an XXXX. Wells Fargo refuses to check incoming wire records even after I provided proof. They claim they cant track it, which is not true. Im requesting a formal investigation or acknowledgment of receipt or rejection of funds. 
I called twice on XX/XX/XXXX and they treat me like Im an XXXX saying the same thing over and over and not really trying to fix the problem but just push to the other bank.

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 2025-07-29 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: MI

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I have attempted to work with them to settle my debt which accumulated during XXXX XXXX I attempted to work with XXXX and they did not want to work with me and they threw me into collections the attorney office that bought my debt hired private investigators to follow me around badge into my gated community and stalk me and my children forcing me to purchase a weapon to protect us I caught them following me to XXXX and in my neighborhood which should be completely illegal and criminal. The attorneys are Andreu, Palma, Lavin, & Solis, pllc. XXXX XXXX is the main attorney who has been harassing me. Their phone number is XXXX in reference to account XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: LA

Complaint narrative:
On XX/XX/year> the company Nelnet dispersed funds to the XXXX  XXXX XXXX for a student who fraudulently got a hold of my information. I looked at my credit report and seen that someone took XXXX student loans acting like they were me. I immediately called Nelnet to tell them it was fraud. They denied my claim. I have all proof, including a police report that I was a victim of fraud. I also contacted the XXXX  XXXX XXXX and made the same claim. I still have this Nelnet student loan on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

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 response to consumer: Closed with non-monetary relief