vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: TX

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 Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXXXXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX  Date : XXXXXXXX XXXX  XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX, XXXX Opened : XXXX, Balance : {$0.00} 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I submitted a timely Validation of Debt request to XXXX XXXX XXXX regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX for the alleged balance of {$910.00}, and {$290.00} under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 2025-09-23 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from 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 non-monetary relief
Consumer complaint received 2025-09-23 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: IN

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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT 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 2025-09-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXX promised me that student loans or financial aid would be available to cover my enrollment. Their representatives repeatedly called me and pressured me to enroll quickly. After I enrolled in classes, the financial aid team failed to provide the support or funding that had been promised. I feel misled, as I would not have enrolled without the assurance of available financial aid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing fraudulent accounts that have been added to my credit report without my authorization. These accounts were never opened or approved by me and do not belong to me in any capacity. Their reporting is inaccurate, misleading, and harmful to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry is inaccurate. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX  XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX  : Account number : XXXX, Unverifiable. 
XXXX XXXX Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX  | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XX/XX/XXXX : This inquiry is inaccurate. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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 2025-09-23 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 account is a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-09-23 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: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-23 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I received a notice from XXXX XXXX for a gass bill for a residence that I have not lived in over 15 years. XXXX XXXX says someone made payments and kept the bill up to date until recently. I offered to show proof of my address over the last 15 years but national grid refused to accept this information, close the account or remove the balance. XXXX XXXX is forcing me to pay this bill and forwarded the account to a collection agency named XXXXXXXX XXXX XXXX. I personally have no knowledge of this account but have no choice to pay this. They told me if I pay it it wont be added to my credit report but it has indeed been added to my credit report and is negatively impacting my credit score. I tried to dispute XXXXXXXX XXXX XXXX by providing proff of address over the last 15 years and they will not accept that as well. 

I did not open this account nor have I given my written permission or authorization for anyone to open this account in my name. 

I have completed an XXXX identity theft report. Please see attached screenshot attached.

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 2025-09-23 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: TX

Complaint narrative:
I am writing to formally dispute several inquiries on my credit report that I did not authorize. Upon reviewing my report, I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information.

I have submitted dispute requests and provided supporting documentation, yet these inquiries remain on my report without resolution. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this, the issue persists.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-09-23 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: NJ

Complaint narrative:
This account is being reported inaccurately and inconsistently across all three bureaus in direct violation of FCRA 1681s-2 ( b ). The original creditor and agency names do not match across reports, the Date Assigned is contradictory to the reporting history, and the statuses are inconsistent ( Unpaid vs Collection vs Assigned to attorney ). These contradictions prove the data is unreliable and unverifiable. I demand permanent deletion of this account from all credit bureaus within 7 days or I will pursue legal action for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for willfully reporting and maintaining inaccurate, unverifiable, and unauthorized information on my credit files in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX XXXX 

Each bureau has listed accounts and inquiries that do not belong to me, are unverifiable, or were made without a permissible purpose. Despite my direct written disputes sent on XX/XX/XXXX, the credit reporting agencies have failed to correct or delete these inaccurate items. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must assure maximum possible accuracy. These accounts/inquiries are not accurate and appear fraudulent.

Failure to Investigate ( 15 U.S.C. 1681i ( a ) ) Despite my disputes, the bureaus failed to delete or verify the accounts within the required XXXX timeframe. 

Unauthorized Access / Inquiries ( 15 U.S.C. 1681b ( f ) ) Many listed inquiries do not meet the FCRAs permissible purposes ( firm offer of credit, insurance, court order, or employment ). These constitute impermissible pulls of my credit file. 

Harm Suffered Damage to my creditworthiness and credit score. 

Emotional distress and confusion caused by fraudulent accounts. 

Denial of fair access to credit due to inaccurate 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 2025-09-23 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 filing this complaint against Equifax, Experian, and TransUnion for willfully reporting and maintaining inaccurate, unverifiable, and unauthorized information on my credit files in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX XXXX 

Each bureau has listed accounts and inquiries that do not belong to me, are unverifiable, or were made without a permissible purpose. Despite my direct written disputes sent on XX/XX/XXXX, the credit reporting agencies have failed to correct or delete these inaccurate items. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must assure maximum possible accuracy. These accounts/inquiries are not accurate and appear fraudulent.

Failure to Investigate ( 15 U.S.C. 1681i ( a ) ) Despite my disputes, the bureaus failed to delete or verify the accounts within the required XXXX timeframe. 

Unauthorized Access / Inquiries ( 15 U.S.C. 1681b ( f ) ) Many listed inquiries do not meet the FCRAs permissible purposes ( firm offer of credit, insurance, court order, or employment ). These constitute impermissible pulls of my credit file. 

Harm Suffered Damage to my creditworthiness and credit score. 

Emotional distress and confusion caused by fraudulent accounts. 

Denial of fair access to credit due to inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
They took XXXX dollars out my check for no reason and I bought it to there attention and the dont know what happened. I asked for my money back and they called hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the to PAID/ NEVER Late and send me a copy of my updated credit report. I attached the inaccuracies that were paid and reported by Equifax in the image below.

Company response to consumer: Closed with non-monetary relief