vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: RI

Complaint narrative:
.MY PERSONAL INFORMATION WAS EXPOSED DUE TO SEVERAL DATA BREACHES AND USE WITHOUT MY KNOWLEGDE OR CONSENT

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 2025-05-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 


XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Regarding false information on my account from a collection agency called XXXX XXXX XXXX, and also known aXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account was previously disputed as fraudulent and removed. Its reappearance on my report without proper written notice is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 5 ) ( B ). I was not notified within 5 business days of reinsertion, as required by law.

This account is fraudulent, was never authorized, and I have provided FTC documentation and prior dispute letters confirming this.

I am demanding permanent deletion of this account. Failure to comply will result in immediate complaints filed with the CFPB, FTC, and legal action if necessary.

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 2025-05-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following hard inquiries reported by 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  These inquiries are negatively affecting my XXXX XXXX, despite being potentially outdated, unverifiable, or inaccurately reported. Given the rise in data breaches and the mishandling of personal information, it is possible that these entries resulted from improperly managed data or unauthorized actions. Under 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ), Experian is required to ensure that only accurate, fully verified, and legally permissible inquiries appear on my credit report. Reporting unverified or inaccurate information is a direct violation of these federal protections, exposing me to significant financial and reputational harm. 

The ongoing presence of these incorrect inquiries is not only financially damaging but also emotionally exhausting. It is deeply frustrating to have my financial credibility compromised by outdated or incorrect data, particularly when these errors should have been caught and corrected through proper verification procedures. This repeated failure to maintain accurate data has caused me unnecessary stress and anxiety, undermining my financial stability and eroding my trust in the credit reporting system. It is unacceptable for me to bear the emotional and financial consequences of these ongoing errors while my financial future remains at risk.

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 2025-05-16 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal and urgent complaint against Experian, whose irresponsible operations and inaccessible customer service are directly putting consumersincluding myselfat severe risk of identity theft and financial harm. 

Despite numerous attempts, I have been unable to reset my compromised Experian account. The system repeatedly claims to send verification texts to my phone, but I have not received a single messagenot once, after dozens of attempts. This is a critical failure in their verification infrastructure. 

Worse, I have called Experians customer service over 100 times, and yet the automated system has not allowed me to speak to a live representative under any circumstances. This is beyond frustratingit is a dangerous operational failure for a company tasked with safeguarding the most sensitive personal and financial data of millions of people. 

Experian 's inability to support victims of potential breaches is irresponsible, unacceptable, and negligent. It is disturbing that in a time of heightened identity theft, Experian provides no reliable method for consumers to regain control of their accounts or even communicate with a human being. 

While I was able to successfully freeze my credit with XXXX  and XXXX, I remain exposed due to Experians failure to deliver even the most basic level of service and security. 

This is not just bad customer serviceit is a systemic security failure. If my identity is used for fraudulent activities because of this breach and Experian 's inaction, the accountability lies squarely on their shoulders. 

I urge your office to : Investigate Experians security practices and breach response mechanisms. 

Enforce accountability for their failure to provide timely customer support. 

Implement mandatory compliance standards for secure communication and consumer access. 

This is no longer a simple consumer issueit is a public safety concern.

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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MD

Complaint narrative:
This company shared my information without my consent violating the FERPA Act, I disputed this off of my credit report due to sensitive information that was exposed during this time. That dispute was approved, as of yesterday a Missouri Higher Education has put it back on my report due to me being delinquent, I contacted MOHELA who was the name stated on my report before they could not provide any of the information I asked to receive, I informed them that I had not received any mail or an email notice to notify me of this status or any updates. I contacted them and I was passed around from customer service who put me in contacted with a supervisor by the name XXXX did not get a last name and then she sent me to a Customer Advocacy department where I talked to a supervisor name XXXX. He told me he did not know of the FERPA Act and that the Advanced credit division that contacted my mother yesterday could not be contacted he also told me to contact the department of Education and when I did call I was instructed to reach out to my service provider who is MOHELA at this point I know that my information is not correct and I know that they are facing class action lawsuits, I want this disputed off of my credit again and be put in a 12 forbearance or deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am writing in regard to a collection account that was reportedly sold or transferred by your company to another entity under my name. The account in question, originally with EXETER FINANCE, appears to have been sold to XXXX XXXX XXXX XXXX which I was neither informed of nor consented to. 

I formally request a full investigation into the matter and a written explanation of why this account was sold in my name. Furthermore, I am requesting that this collection account be deleted from my credit report and all associated records removed, as I did not authorize the transfer or sale of the account. This action is causing undue harm to my credit standing and is misrepresentative of my financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY 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 non-monetary relief
Consumer complaint received 2025-05-16 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. Please remove these accounts from my report : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2025-05-16 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:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : 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 : A personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, A personal loan account opened at Upstart/Drb on XX/XX/year> under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A hard inquiry from XXXX dated XX/XX/year> These accounts and inquiries have resulted in several fraudulent hard inquiries and negative entries 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 or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned accounts and inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-16 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: GA

Complaint narrative:
Im writing to demand that you immediately certify that every single piece of information associated with this account actually belongs to me including the account number, payment history, dates, balances, and any and all personal information attached to it. This isnt a partial check. I want full, complete verification of ownership and accuracy across the board. 

If you can not 100 % certify that all of this data is accurate and belongs to me, then you are knowingly reporting unverifiable and potentially incorrect information, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Thats not just careless its illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
Hello, attached you will find my XXXX documents for XXXX XXXX under 605c. Those documents have the proof that I am a victim XXXX XXXX XXXX and that the accounts I have reported to you are all fraudulent and they are being used against me. I need to remove and block those please because they are ruining my life, I am a XXXX XXXX  and my health is taking over my life right now, and this is giving me an even bigger problem.

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 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: CT

Complaint narrative:
My previous loan problem with Greensky was reporting me as delinquent was corrected by them as of XX/XX/2025. It now shows as " In good standing '' however it still shows an outstanding balance of {$3100.00}. The loan was paid in full last year and my credit report should have indicate a balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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