vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: AZ

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 XXXX 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 XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance : {$35000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX 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 2025-09-25 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-25 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: TX

Complaint narrative:
I am contacting you to dispute the late payment reported on my credit file. According to my records, the payment in question was made on time. This false reporting misrepresents my financial behavior and harms my creditworthiness.

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 2025-09-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLC, P.O. Box XXXX, XXXX, GA XXXXRE: Fraudulent Accounts & Inquiries  Identity Theft Report & Consumer Law Demand for DeletionXXXXTo Whom It May Concern,XXXXI am a victim of identity theft and fraudulent reporting. This letter serves as my formal dispute and demand for deletion of all the following inaccurate, unverified, and fraudulent accounts and inquiries currently damaging my consumer report:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLegal Grounds for Deletion:XXXXXXXXFair Credit Reporting Act (FCRA, 15 U.S.C.  1681):XXXXUnder  1681b & 1681e(b), you may not report accounts or inquiries without permissible purpose and maximum accuracy. These accounts were created/used without my consent.XXXX 1681i requires deletion if information cannot be 100% verified with documented proof. Verified without physical contract copies is not compliance.XXXXFair Debt Collection Practices Act (FDCPA, 15 U.S.C.  1692):XXXXAny collection account reported without validation violates  1692e & 1692g. Reporting without proof is false and misleading representation.XXXXFACTA Identity Theft Protections (15 U.S.C.  1681c-2):XXXXUpon receiving an identity theft claim, bureaus must block fraudulent information from my file within XXXX  business days.XXXXTruth in Lending & Fair Credit Billing Acts (15 U.S.C.  1666):XXXXAny account opened or charged without my consent is fraudulent billing and unenforceable.XXXX15 U.S.C.  6802 (Gramm-Leach-Bliley Act):XXXXSharing or reporting my private information without authorization is prohibited.XXXXDEMANDXXXXPermanently DELETE all above-listed accounts and inquiries from my XXXX, XXXX, and Equifax files.XXXXProvide me with updated consumer reports reflecting deletionsXXXXDo not verify without providing full contract copies with my wet signature. Screenshots, e-signatures, or unverifiable data do not constitute compliance.XXXXNotice of Liability:XXXXFailure to comply will result in immediate action, including:XXXXFiling complaints with the CFPB, FTC, State Attorney General, and BBB.XXXXPursuing civil remedies under 15 U.S.C.  1681n & 1681o for willful and negligent violations (statutory damages up to $1,000 per violation, actual damages, court costs, and attorneys fees).XXXXSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
Submitted police report, ID theft reports and all identifying info to credit burea Experian via certified mail. REQUESTED BLOCK OF IDENTY THEFT ACCOUNTS WHICH LAWS STATE SHOUKD BE DONE IN 4 DAYS. 

EXPERIAN DID NOT COMPLY I want monetary damages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
Submitted police report, ID theft reports and all identifying info to credit burea Experian via certified mail. REQUESTED BLOCK OF IDENTY THEFT ACCOUNTS WHICH LAWS STATE SHOUKD BE DONE IN 4 DAYS. 

EXPERIAN DID NOT COMPLY I want monetary damages

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 2025-09-25 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$630.00} These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-09-25 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:
There is a fraudulent item on my credit report that was not authorized or initiated by me. I do not recognize this account and have not entered into any agreement or contract with the company reporting it. Its presence is not only incorrect but is causing harm to my credit rating and financial credibility.

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 2025-09-25 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:
Subject : Credit Report Dispute Inaccurate Reporting by XXXXXXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report. 

Creditor Name : XXXX Reported Balance : {$7600.00} Reported Date : XX/XX/year> This account is being inaccurately reported. XXXX has sold or transferred this debt to another entity. They no longer own the account and therefore should not be reporting a balance. Under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate information. This account should be updated to reflect a {$0.00} balance and a status of Transferred/Sold/Closed, or it should be deleted entirely if the furnisher can not verify. 
I request that you investigate this matter and correct or remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
My credit report currently includes an account that was not opened by me. I have no relationship with the reporting party, and I am confident that this account was fraudulently created without my consent. This item is incorrect and has already caused unnecessary distress and credit damage.

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 2025-09-25 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:
I believe this late payment is a reporting error and request that it be corrected and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am submitting this complaint regarding serious inaccuracies and fraudulent reporting on my Equifax credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). Equifax has reported multiple closed accounts and XXXX  inquiries that are fraudulent and unauthorized, including accounts from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as inquiries by XXXX XXXX XXXX  XXXX XXXX I have formally disputed these with Equifax and submitted a self-attestation letter affirming these accounts were not authorized by me. Under the FCRA, I have the right to dispute inaccurate information and expect a prompt and thorough reinvestigation. Equifax has failed to remove fraudulent accounts despite clear notice and proof, causing ongoing harm to my credit profile. I am requesting CFPB intervention to ensure Equifax immediately deletes all fraudulent entries and inquiries and complies with FCRA requirements. Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
I have multiple messages where XXXX XXXX has contacted me after I told them to STOP throughtexting. Not only is this my XXXX  time getting a loan.... I dint know that this type of loan existed. This is how they make they money by praying on young people who don't really know there's no big red bold letters that say .. we gone charge you 399 % XXXX..... that's crazy for someone who's just trying to support my family.... this company should be illegal I can't believe this smh ... the loan that I got from them has been a burden on my shoulders I need a lawyer asap. I thought this was a regular loan that I could take out and pay back over time like loans are. I didn't know they was gone XXXX me in the XXXX to thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I wrote the credit Bureau saying they are reporting inaccurate information on my reports, I sent a letter asking could they remove all inaccurate information off my reports with an updated report, and yet they have done it this has cause my credit to go down an also stop me from getting credit can you all please investigate.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/year> Attempted to print and download credit report with no option to print report anywhere on the website whatsoever. Could not even locate a print report options in the XXXXXXXX XXXX  site map. Upon request from support, the only option provided to me was to request a copy by mail ... Equifax has made it extremely challenging for consumers to access a downloadable/printable report for their personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and appeal a recent debit card charge that I believe was fraudulent and deceptive in nature. The charge in question was made to my account on XX/XX/year> in the amount of {$120.00}, by a company identifying itself as XXXX Co. 

This merchant advertised goods with a clear return policy, which was a major factor in my purchase decision. However, after receiving the item ( XXXX ), I attempted to initiate a return as per their stated policy. I discovered that : The company provided no valid method to initiate a return. 

Repeated attempts to contact the merchant via email and/or any customer service channels have gone unanswered. 

They refused to provide a return shipping label or any return instructions. 

It has become evident that this company operates in a deceptive and potentially fraudulent mannerdelivering low-quality goods and falsely advertising an accessible return process which they deliberately avoid honoring. This effectively traps customers into keeping unwanted products. 

I initially filed a dispute with my bank/card issuer, but the case was denied, despite my documentation of the merchant 's lack of response and misleading practices. 

I am requesting the CFPB to assist in reviewing this matter, as I believe this constitutes a violation of consumer protection principles. I am attaching the following documents in support of my complaint : A copy of the original transaction Screenshots of the advertised return policy Copies of my attempted communications with the merchant Any prior dispute correspondence with my bank or card issuer Please let me know if additional documentation is needed. I respectfully urge the CFPB to investigate this matter and help hold this merchant accountable for deceptive practices. I also request that the charge be reversed due to the lack of merchant cooperation and the misleading nature of the sale. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
My name is XXXX XXXX and the following accounts are on my account due to identity theft. I am unfamiliar with and discovered the following accounts on my credit report : Name of Company : XXXX XXXX XXXX Amount : {$4300.00} Date : XX/XX/XXXX Name of Company : XXXX. XXXX, XXXX Amount : {$890.00} Date : XX/XX/XXXX Name of Company : XXXX XXXX XXXX Amount : {$810.00} Date : XX/XX/XXXX Name of Company : XXXX XXXX and XXXX  XXXX  XXXX Missouri Amount : {$450.00} XXXX I have tried to reach out to the above companies and have gotten no response. This has caused a significant financial distress on my XXXX XXXX and ability to move forward with investments. I kindly request that the fraudulent accounts be removed from credit report and that my credit standing be restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation