vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX for continuing to report a false late payment from XX/XX/year> while I was enrolled in a government loan modification plan. 

This violates : CARES Act 4021 FCRA 623 ( a ) ( 1 ) ( A ), 605B TILA 1637 ( b ), 12 CFR 1026.5 ( b ) ( 2 ) XXXX XXXX failure to use disaster XXXX XXXX XXXX XXXXXXXX XXXX responded through CFPB Case XXXX XXXXXXXX, but their investigation was inaccurate, failed to apply federal consumer protections, and ignored the documented hardship. 

I am attaching sworn affidavits, their denial letter, credit report data, and supporting evidence to show the false reporting. 

I request full deletion, a block to all CRAs, and suppression of this information from future furnishers.

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 2025-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I discovered XXXX hard inquiries on my XXXX  credit report that I did not authorize. These inquiries were made without my knowledge or permission, and I am requesting a formal investigation. 

The unauthorized inquiries are : XXXX XXXX of XXXX on XX/XX/year> Cap One via Dealer on XX/XX/year> I contacted XXXX  by phone and informed them that these inquiries were not authorized. The representative advised me to send a dispute package with a copy of my Social Security card, drivers license, and a cover letter explaining the issue. 

For context : I never gave XXXX XXXX of XXXX permission to access my credit. I was told it was just a form to check their inventory options, and at no point was I informed a credit pull would occur. When I followed up, the dealership stopped responding and did not honor their promise to remove the inquiry. 
Cap One via Dealer ran my credit during a visit to a dealership, but I did not authorize or complete any credit application with them. No loan or financial agreement was made with Capital One. 

These inquiries negatively affected my credit score, and I would like them removed if they are found to be unauthorized. I have complied with XXXX request to submit the required documents to support this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
In XX/XX/year>, I signed a lease for an apartment that was not in move-in condition due to numerous health, safety, and habitability issues, including pest infestation, mold, and exposed wiring. I never moved in. Within XXXX hours, I notified property management in writing and submitted formal notice of lease termination for breach of contract. 

Despite this, the debt was forwarded to a collection agency and now inaccurately appears on my credit report as delinquent. I requested validation of the debt ( proof of charges, lease, occupancy records ), but received no response. The amount is not owed and is damaging my ability to secure housing over a year later.

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 2025-04-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXXThis is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or  authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
XXXXThis is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or  authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX 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 XXXX 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 2025-04-23 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: TX

Complaint narrative:
I have identified several unfamiliar items on my credit report, which I believe are the result of identity theft, as I did not authorize these accounts. I have raised this concern previously, and I am now formally requesting the immediate removal of these unauthorized entries. Their continued presence is causing me significant distress and misrepresents both my credit history and financial behavior. 

This matter has been both frustrating and disruptive. If it is not resolved promptly, I will have no choice but to consider legal action to protect my rights and pursue an appropriate resolution. These inaccuracies are severely hindering my ability to achieve important financial goals, including purchasing a home and providing for my family. I trust that you will handle this issue swiftly and in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. 
XXXX XXXX * * * * Balance : {$9000.00} XXXX XXXXXXXX * * * * Balance : {$8900.00} XXXX XXXX XXXX  * * * * Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. 
XXXX XXXX * * * * Balance : {$9000.00} XXXX XXXXXXXX * * * * Balance : {$8900.00} XXXX XXXX XXXX  * * * * Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This formal complaint is filed by XXXX XXXX XXXX, Social Security Number : ( Private SSN ), Date of Birth : ( Private DOB ), to demand the immediate blocking of fraudulent information appearing on my consumer credit report. This action is requested pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that you block information resulting from identity theft within XXXX ( XXXX ) business days of receiving this notification. 

The following fraudulent, inaccurate, and false accounts, which are the direct result of identity theft, are currently listed on my consumer credit report : XXXX XXXX XXXX XXXX : Personal Credit Card, Account Number : XXXX XXXX XXXX, Opened on XX/XX/year>. 

These fraudulently opened accounts have led to the appearance of several unauthorized and inaccurate accounts and collections on my consumer FICO credit report, severely damaging my creditworthiness. I have attached a detailed list of these fraudulent entries, along with a copy of my consumer FICO credit report obtained from Equifax, which clearly highlights these erroneous items. 

I unequivocally state that I do not recognize, authorize, or have any affiliation with the aforementioned accounts or any associated collections. These entries are unequivocally the result of identity theft and fraudulent activity. 

To further substantiate my claim, I have also enclosed a copy of the official Identity Theft Criminal Complaint filed with the U.S. Federal Trade Commission ( FTC ), Case Number : ( private case number ). This document serves as conclusive proof that the disputed information on my credit report is a direct consequence of identity theft. 

Therefore, pursuant to my rights under the FCRA 605B, I demand that the Equifax credit reporting agency immediately block and subsequently remove all the aforementioned fraudulent accounts and any related derogatory items from my consumer credit report within the legally mandated timeframe. Your prompt attention to this urgent matter is crucial to mitigate further damage caused by this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX, SS # XXXX birthday XX/XX/year> This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion  credit reporting agency XXXX 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. This fraudulent inaccurate, and false information XXXX account is XXXX XXXX XXXX XXXX XXXX ( XXXX There's also another account and XXXX XXXX XXXX XXXX XXXX XXXX ( act XXXX Federal credit credit card.opened XXXX acXXXX XXXX and several inquiries that were the result of fraud. The criminal report number is XXXX These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .l 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained. I do not recognize the mentioned accounts, collections, or hard inquiries on my consumer report maintained by me were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AZ

Complaint narrative:
XXXX XXXX XXXX, SS # XXXX birthday XX/XX/year> This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion  credit reporting agency XXXX 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. This fraudulent inaccurate, and false information XXXX account is XXXX XXXX XXXX XXXX XXXX ( XXXX There's also another account and XXXX XXXX XXXX XXXX XXXX XXXX ( act XXXX Federal credit credit card.opened XXXX acXXXX XXXX and several inquiries that were the result of fraud. The criminal report number is XXXX These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .l 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained. I do not recognize the mentioned accounts, collections, or hard inquiries on my consumer report maintained by me were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
b'Incorrect Late Payment Reporting on XXXX Credit Report for Student Loan Account\n\nTo Whom It May Concern,\n\nI am filing a dispute regarding inaccurate information reported on my XXXX credit report concerning my federal student loans serviced by Aidvantage (Dept of ED/Aidvantage).\n\nOn XXXX XXXX XXXXXXXX XXXX reported that my student loan account was 90 days late. This is incorrect. I am currently enrolled in an Income-Based Repayment (IBR) plan with a $0 monthly payment.\n\nOn XXXX XXXX XXXX I received confirmation from Aidvantage that my IBR plan was approved with a XXXX  monthly payment.XXXX XXXX XXXX XXXX  Aidvantage provided written confirmation that my account is in good standing and not in defaultXXXXDespite these facts, XXXX continues to report my loans as delinquent. This incorrect reporting has caused a drop in my credit scoreXXXXI am requesting that XXXX immediately correct this inaccurate reporting and remove any late payments associated with this account.\n\nSupporting documents attached:\n\n1. Aidvantage IBR approval letter XXXX XXXX. Aidvantage good standing letter XXXX XXXXXXXX. Screenshot from XXXX  report showing the 90-day late status.\n\n\n\nThank you for your prompt attention to this matter. Please confirm once the correction has been madeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a formal complaint against Experian due to the reporting of inaccurate and damaging information on my credit report regarding my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Experian has reported this account as closed with a past due amount of {$840.00} and multiple late payments ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), despite the fact that the account was resolved and closed, and other credit bureaus do not show these negative items. 

This erroneous reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information, and to promptly correct or delete any unverifiable or incorrect data when disputed. 

This error is having a severe negative impact on my credit score and gravely affects my ability to obtain credit, loans, or favorable interest rates. I have already submitted a formal dispute to Experian, requesting the removal or correction of these inaccuracies, and have asked for verification of how they validated this information. So far, Experian has failed to adequately address my dispute or correct my report. 

I am requesting that the CFPB investigate this matter and require Experian to immediately correct my credit report, remove all inaccurate negative information related to my XXXX XXXX account, and ensure that my rights as a consumer are protected under federal law. 

Attached : Screenshot of the credit report showing the errors Formal dispute letter submitted to Experian Thank you for your assistance in resolving this issue, which is causing significant harm to my financial wellbeing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2025-04-23 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: TX

Complaint narrative:
I am writing to formally dispute a late payment reported on my credit report for the following account : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus.

I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness.

This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law.

Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
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, inaccurate, and false information consists of 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief