vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
15 U.S.C. 1681c-1, which provides for the placement of fraud alerts and the blocking of information resulting from identity theft. 

After reviewing my credit reports, I found several accounts and inquiries that I did not authorize and do not recognize. Specifically : Experian Report : XXXX XXXX XXXX ( Account # : XXXX ) was reported as a collection account originating from XXXX XXXXXXXX XXXX XXXXXXXX. with a balance of {$790.00}. I did not open or authorize this account. 

There are also multiple unauthorized hard inquiries listed from institutions including XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX  on dates ranging from XX/XX/XXXX to XX/XX/XXXX. 

XXXX Report : XXXXXXXX XXXX XXXX  / XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) appears with adverse indicators, but I have no outstanding student loans with this institution. 

Numerous unauthorized hard inquiries are listed, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX / XXXX, XXXX / XXXXXXXX XXXX XXXXXXXX XXXX. These occurred between XX/XX/XXXX and XX/XX/XXXX. 

These entries were made without my knowledge or consent and are likely the result of identity theft. I am requesting the following : Placement of an extended fraud alert on my credit file as provided under 15 U.S.C. 1681c-1 ( h ). 

Blocking of any fraudulent information and removal of unauthorized inquiries. 

A full investigation into the origin of the unauthorized activity and a statement confirming removal or correction. 

I am attaching my signed FTC Identity Theft Report and supporting documents, including a copy of my ID, proof of residence, and highlighted credit report entries showing the fraudulent activity. 

I affirm that the information provided in this complaint is accurate to the best of my knowledge. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXXXXXX 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 2025-07-17 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: VA

Complaint narrative:
15 U.S.C. 1681c-1, which provides for the placement of fraud alerts and the blocking of information resulting from identity theft. 

After reviewing my credit reports, I found several accounts and inquiries that I did not authorize and do not recognize. Specifically : XXXX Report : XXXX XXXX XXXX ( Account # : XXXX ) was reported as a collection account originating from XXXX XXXXXXXX XXXX  XXXX. with a balance of {$790.00}. I did not open or authorize this account. 

There are also multiple unauthorized hard inquiries listed from institutions including XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX on dates ranging from XX/XX/XXXX to XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) appears with adverse indicators, but I have no outstanding student loans with this institution. 

Numerous unauthorized hard inquiries are listed, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX / XXXX, XXXX / XXXX, XXXX XXXX XXXX These occurred between XX/XX/XXXX and XX/XX/XXXX. 

These entries were made without my knowledge or consent and are likely the result of identity theft. I am requesting the following : Placement of an extended fraud alert on my credit file as provided under 15 U.S.C. 1681c-1 ( h ).

Blocking of any fraudulent information and removal of unauthorized inquiries.

A full investigation into the origin of the unauthorized activity and a statement confirming removal or correction. 

I am attaching my signed FTC Identity Theft Report and supporting documents, including a copy of my ID, proof of residence, and highlighted credit report entries showing the fraudulent activity. 

I affirm that the information provided in this complaint is accurate to the best of my knowledge. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
I received a letter on XX/XX/XXXX dated from five serve stating that my payment did not go from XXXX. I actually went online and saw that the payment did go through and when I called XXXX XXXXXXXX it did process. They told me that I had insufficient fees and had to call in which I did and gave them my Social Security number and other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was incarcerated at the time and that debt is not mine and I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I, XXXX XXXX am writing to formally notify you that I am a victim of inaccurate or unauthorized reporting on my consumer credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c, I am requesting the prompt review and correction/removal of the following outdated, inaccurate, or fraudulent information 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 2025-07-17 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 non-monetary relief
Consumer complaint received 2025-07-17 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-17 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-17 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00}

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 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have unauthorized inquiries on my Transunion and experian credit report, that per the FCRA should be removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
TransUnion is reporting an account that is not mine violating FCRA 15 USC 1681e b and 1681i a 5 A I request its permanent deletion no reinsertion and full compliance with federal consumer law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of 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 2025-07-17 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: IL

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems for misleading and unethical debt collection practices, as well as for failing to honor a verbal agreement. 

In XX/XX/year>, I settled a debt they had purchased from XXXX XXXX XXXX. During our call, their representative clearly stated that the account would be removed from my credit reports once the settlement was completed. I fulfilled my end of the agreement, but to this day, the account still appears negatively on my XXXX  and XXXX  reports. 

Additionally, prior to settling, I was subject to daily harassing phone calls, including repeated calls outside normal business hours. These calls felt abusive, and I now understand they may violate the Fair Debt Collection Practices Act ( FDCPA ). 

I do not have an email or written confirmation ( as none was sent ), and I am unable to locate the exact transaction at this time. However, the settlement took place in XX/XX/year>, and the account balance has been {$0.00} since then. 

I am requesting that Jefferson Capital : Remove the account from all credit bureaus, as verbally agreed Cease any future contact Be held accountable for harassment and false promises made during collection This experience has damaged my credit and caused undue stress, despite resolving the debt in good faith. I am requesting the CFPB investigate and enforce my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TN

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
Im disputing an account reported by XXXX for {$10000.00} ( Account # : XXXX XXXX ). I do not recognize this account and have not received a written notice or validation from them. 

This account is appearing on my credit report, but I believe it is not mine. XXXX did not send the required notice within 5 days of first contact, which is a violation of the FDCPA. They also failed to provide proper validation before reporting this to the credit bureaus.

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 2025-07-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, GA XXXX [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Correction of Credit Report Discrepancy Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit reports obtained from two different credit bureaus. It appears that a charge-off account is inaccurately reported as a credit collection on one of these reports, which I believe is misleading and detrimental to my credit standing. 

The account in question has been identified as XXXX XXXX, and it was initially charged off by XXXX XXXX. However, upon reviewing my credit reports from Equifax and Transunion, I noticed that while the account is listed as a charge-off with XXXX XXXX on Equifax, it shows up as a collection account with XXXX XXXX XXXX on Transunion and Experian. 

This discrepancy not only creates confusion but also negatively impacts my credit score, affecting my ability to secure loans and credit at reasonable rates. In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that your office assists me in correcting this error or removing the incorrect account entries from my credit reports. 

Thank you for your assistance in ensuring the accuracy and fairness of my credit report. Please feel free to contact me at XXXX or XXXX if you require any further information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief