vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
HELLO MYM NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THO FOLLOWING FRAUDULENT ACCOUNT FROM XXXX XXXX OPENED IN XXXX MUST BE REMOVED FROM MY CREDIT REPORT. ALSO FOLLOWING FRAUDULENT INQUIRIES MUST BE REMOVOMED FROM MY CREDIT REPORT NOW. I AM THE ONLY PERSON WHO MADE THIS STATEMENT

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
HELLO MYM NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND THO FOLLOWING FRAUDULENT ACCOUNT FROM XXXX XXXX OPENED IN XXXX MUST BE REMOVED FROM MY CREDIT REPORT. ALSO FOLLOWING FRAUDULENT INQUIRIES MUST BE REMOVOMED FROM MY CREDIT REPORT NOW. I AM THE ONLY PERSON WHO MADE THIS STATEMENT

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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A false account is being reported in my credit history without my consent or authorization. I have never had any dealings with the reporting company, and the account is clearly fraudulent. This entry is inaccurate and is causing undue harm to my credit score and reputation.

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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An account I have no knowledge of has been added to my credit report. I did not authorize this account or approve the use of my personal information. This is a case of inaccurate reporting, which has resulted in damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I owe some debt so I assumed it was legit. They called already knowing my first and last name. Then they stated they had been attempting to get in contact with me so I could be served papers. But if I submitted a {$120.00} payment that would be a payment plan I could avoid litigation. So I paid the {$120.00}, but later throughout the day I started to think it sounded a bit fishy. So I did some digging and turned out it was in fact a scam. I locked my debit card and ordered a new one. I also froze my credit through the 3 main reporting agencies. The ladys name was XXXX XXXX her phone number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

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

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did a credit dispute on behalf of myself to TRANSUNION about my personal information. I asked that all other info than my current information be deleted as it has anything to do with me or do I have any knowledge of that information and it belongs to someone else with the same name.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
TransUnion says report is still open from over 30 days ago. 
Equifax says report is still open from over 30 days ago. 
Equifax says report still open from over 30 days ago. 

All unverified information from more than 30 days at the start of the investigation now must be deleted.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion says report is still open from over 30 days ago. 
Equifax says report is still open from over 30 days ago. 
Equifax says report still open from over 30 days ago. 

All unverified information from more than 30 days at the start of the investigation now must be deleted.

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 2025-08-08 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for the continued and unlawful reporting of a bankruptcy on my credit file that violates federal law and reporting accuracy requirements. The bankruptcy in question is being reported by TransUnion in a manner that : 1. Violates Rule 9037 of the Federal Rules of Bankruptcy Procedure, which restricts public disclosure of personally identifiable information ( PII ). The reporting of full details related to my bankruptcy, including personal identifiers, constitutes a breach of federal privacy protections. 
2. Violates 15 U.S. Code 1681a ( 4 ) This section defines what qualifies as a consumer report and restricts the inclusion of outdated or irrelevant public record information. Reporting a bankruptcy that is no longer verifiable, accurate, or relevant falls outside the scope of permissible consumer report content. 
3. Violates 15 U.S. Code 1681e ( b ) TransUnion has failed to maintain maximum possible accuracy in my credit report. The reporting of the bankruptcy is outdated, unverifiable, and does not reflect the current status. No verification has been provided by the furnisher or the court, and attempts to verify the accuracy of this record have failed. This constitutes negligence in the reinvestigation process and data maintenance standards required by the FCRA. 


I demand the immediate removal of the bankruptcy entry from my TransUnion credit report. If TransUnion is unable to provide independent verification of this record that complies with all relevant federal laws, it must be deleted in accordance with the FCRA and Rule 9037.

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 2025-08-08 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: TX

Complaint narrative:
I am submitting this complaint to address an inaccurately reported late payment. I have always maintained timely payments and do not agree with the negative entry appearing on my credit report.

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

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2025-08-08 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: WY

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  AND TRANS UNION ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND TRANS UNION ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND TRANS UNION ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} REPORTING ON TRANS UNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX AND TRANS UNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX AND TRANS UNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND TRANS UNION ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective 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 2025-08-08 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I have 2 installments of student loans that arent mine, which Ive addressed to experian a few times but they would never get them removed despite the needed documentation/attachments Ive submitted such as PDFs of my ID, recent utility bill, FTC report & a police report from my local police ( Im not sure if theres anything else I need to submit ).

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

Complaint narrative:
I am filing a complaint against XXXX XXXX Experian XXXX XXXX  for failing to remove two fraudulent addresses from my credit report, despite a prior request. The addresses are : XXXX XXXX XXXX XXXX, XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX I have XXXX XXXX  never lived at either of these addresses XXXX XXXX and their presence on my credit file is the result of fraud. I previously notified Experian of this issue and requested their removal, yet they continue to appear on my credit report. This failure to act is a violation of my rights under the XXXX XXXX Fair Credit Reporting Act ( FCRA ) XXXX XXXX 

I am requesting the XXXX XXXX immediate removal of both addresses * * and a full investigation into why Experian did not take proper action after my initial 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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A fraudulent account has been added to my credit report without my authorization or consent. I have no history, dealings, or relationship with the reporting creditor, and this is a clear case of unauthorized use of my personal information. Its presence is harming my creditworthiness and must be addressed immediately.

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 2025-08-08 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: FL

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed:  XXXXREPORTING ON ALL BUREAU ( XXXX EQUIFAX, AND TXXXX XXXXU S DEPT OF EDXXXXREPORTING ON XXXX  AND EQUIFAX\n\nU S DEPT OF EDXXXX XXXXREPORTING ON XXXX  AND EQUIFAX\n\nU S DEPT OF ED/XXXXREPORTING ON XXXX AND EQUIFAX\n\nDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains an account I did not authorize or open. This account was added fraudulently and is negatively impacting my credit. I have no relationship with the reporting party and did not consent to any such 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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Ingo Money, Inc.
State: AL

Complaint narrative:
On [ XXXX XXXX ], I attempted to use my Ingo Money account and found it had been placed on hold without prior warning. I contacted Ingo Money Customer Support to request an explanation. 

On [ XXXX XXXX ], I received a written response referencing Ref # XXXX. The company stated my account was placed on hold due to questionable or suspicious activity identified by their risk management team. However, they refused to provide any specific details, examples, or evidence of the alleged activity. They said disclosing more information would reveal the specifics of our review and security processes. 

I requested clarification to understand the basis of their decision so I could dispute or correct any perceived issues. No path for resolution or reinstatement was provided. Instead, their response referred me to a general FAQ page that did not address my situation. 

This lack of transparency prevents me from addressing the allegation, creates the appearance of arbitrary decision-making, and leaves no way to verify that the decision was not discriminatory or in violation of consumer protection laws. 

I am seeking : 1. A factual, non-confidential explanation of what triggered the account hold.

2. Written confirmation that the decision was not discriminatory.

3. Guidance on steps I can take to restore my account. 

I have retained copies of all correspondence for review

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

Complaint narrative:
I am filing this complaint because my credit report contains a late payment entry that is not accurate. My payment history is clear, and this mark is unjustified.

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

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account number XXXX and a collection account opened at XXXX XXXX on XX/XX/XXXX, with a balance of {$630.00} these accounts have resulted in several fraudulent hard inquiries fraudulent collection and fraudulent charge off appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections or hard inquiries as reported. The aforementioned accounts, collection and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collections and hard inquiries are result of identity theft and fraud. I have attached a copy 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 results of identity theft

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

Complaint narrative:
I am submitting a formal follow up complaint to dispute certain items listed on my credit report and request their immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ). This section of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report to any person or entity that does not have a permissible purpose as defined by the Act. Upon reviewing my credit report, I have identified the following items that appear to have been accessed or listed without my authorization or without a permissible purpose under the law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$780.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$4300.00XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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