vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$41000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an error on one of my accounts. It is showing a late payment, but this payment was actually made on time. As a consumer reporting agency, you are required to ensure all information is reported with complete accuracy. This account has never had a late payment.

Ive attached a copy of my report for reference, highlighting the date in question, which is XXXX 2025.I am requesting that you investigate this matter and promptly update the payment history to reflect that all payments were made on time. Thank you for your attention to this issue.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180.00}

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 2025-08-14 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: MS

Complaint narrative:
FRAUDULENT ACCOUNTS ARE REPORTING TO MY CREDIT 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp
State: GA

Complaint narrative:
Incorrect Information on My Report and Box B Identity Theft, against Contemporary Information Corporation ( CIC ) for willfully and negligently reporting false court judgments and addresses that I am not connected to, in violation of the Fair Credit Reporting Act ( FCRA ), FACTA, and related CFPB enforcement rules.

Details of the Violation CIC has published and continues to publish public record entries in my tenant screening/background report linking me to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are completely false and have never been associated with me at any point in my life. The associated court judgments are equally false and stem from identity theft.

I have documented proof from XXXX XXXX, XXXXanother consumer reporting agencythat these addresses have already been DELETED from my file after a reinvestigation, confirming that the data is objectively inaccurate and unverifiable. CIC, however, continues to report them.

Legal Violations 1. FCRA 605B [ 15 U.S.C. 1681c-2 ] CIC is required to block identity theft-related information within 4 business days of receiving proof. They have failed to do so.

2. FCRA 609 ( a ) [ 15 U.S.C. 1681g ( a ) ] CIC must disclose the sources of the false data ; they have failed to identify the furnisher despite request.

3. FCRA 611 ( a ) [ 15 U.S.C. 1681i ] CIC must delete or correct inaccurate/unverifiable information after reinvestigation ; they have willfully ignored verified proof from another CRA.

4. FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] CIC can not furnish information it knows or should know is inaccurate.

5. FACTA ( Pub. L. 108-159, Sec. 154 ) Reinforces the blocking requirement for identity theft data.

6. CFPB Regulation V 12 C.F.R. Part 1022 CIC has failed to follow reasonable procedures to ensure maximum possible accuracy.

Harm Suffered Housing Denial : I have been denied rental housing within the past 30 days based on this false data.

Emotional Distress : I am a single parent of two young children and have less than 30 days to secure housing. The stress and reputational harm are severe.

Economic Loss : Application fees, lost housing opportunities, and increased costs to find alternative housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
Please see the attached FTC report and my Equifax data breach claim ID. I am requesting the immediate removal of the listed accounts from my credit 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

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 2025-08-14 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: OK

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: PA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you to dispute the reporting of a fraudulent account. I have never entered into any agreement, application, or authorization concerning this account. It is inaccurate and does not belong in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have an issue with PAYPAL. They have placed a restriction on my account over a year ago, and after making several calls to them, they will not tell me why. 
They have {$50.00} dollars in my cash account and also as of XX/XX/scrub>/25 they have {$170.00} in my crypto account. All I am asking is they return my money to me and close my accounts, as I wish to no longer have any dealings with them. 
All I am getting is the run around from them and no real answers about anything. They keep telling me they are waiting on the " back office '' to remove the limitations. Well, they have over a year to resolve this matter, and I need your help to resolve this issue. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am a victim of identity theft, someone has taken my personal information and used it to open all these credit card and loan account. Never gave anyone permission or authorization to open these accounts

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 2025-08-14 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: NC

Complaint narrative:
I am a victim of identity theft, someone has taken my personal information and used it to open all these credit card and loan account. Never gave anyone permission or authorization to open these accounts

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 2025-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I was approached at my home by a sales representative from XXXX XXXX, offering to install a solar panel system financed through Mosaic XXXX XXXX XXXX. I was promised several incentives and benefits if I agreed quickly to the sale. Specifically, I was offered a {$600.00} gift card and a gas generator as immediate bonuses if I signed up within a short time frame. 

The representative also told me I would receive a {$15000.00} federal tax credit, and that I could use that money however I saw XXXX to pay down my Mosaic loan or keep the money. I was assured that, if the credit was applied, my monthly payments would remain at $ XXXX/month, and the solar panels would completely offset my electricity usage, meaning I wouldnt receive additional utility bills. 

Based on those promises, I signed a contract and agreed to a loan of approximately {$41000.00}. However, what was presented to me was materially false and misleading : The tax credit was not a direct rebate but a nonrefundable IRS credit only usable against tax liability, which I could not claim in full. 

Because I could not apply the {$15000.00} to my loan, my monthly payment re-amortized to $ XXXXmonth after 18 months. 

My utility bills never went awayIve had to pay up to $ XXXXmonth on top of the Mosaic loan. 

The incentives ( gift card and generator ) were used as pressure tactics to get me to sign quickly. 
When I contacted Mosaic about the discrepancies, I was told the system was installed and functional, and that I was responsible for payment regardless of misrepresentations. XXXX XXXX is now permanently closed, and Mosaic is currently conducting a XXXX  XXXX bankruptcy restructuring ( Case No. XXXX, filed XX/XX/XXXX ). 

I was promised supervisor callbacks multiple times, but they never followed up. 

These misrepresentations have resulted in missed or late loan payments, credit damage, and XXXX XXXX, with little recourse due to XXXX closure and Mosaics bankruptcy. 

As a single father of XXXX children, I acted in good faith based on what I was told. These false promises have caused me serious financial hardship, damaged my credit, and forced me into a situation where I can no longer afford both my utility bill and the Mosaic loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA FSB issued an electronic debit on my XXXX  checking account on XX/XX/XXXX. 
XXXX posted the debit to my account on XXXX XXXX. 
AS of XX/XX/XXXX, USAA FSB has not posted the fund to my checking account. 
Opened a dispute with the banking dept on the problem. 
XXXX XXXX closed the complaint with the resolution the I should contact the originating bank. USAA is the originating bank. 
The only information that I have received is the their is a problem in the back room processing and they are researching with no eta of when or if the problem will be corrected. 
The USAA bank can not send the funds back to XXXX until the bank room research is complete. 

End result is that USAA FSB has my funds with no estimate of when my money will be made available to me.

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 monetary relief
Consumer complaint received 2025-08-14 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: DE

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

Company 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 2025-08-14 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: TN

Complaint narrative:
I previously disputed several inquiries directly with Equifax on XX/XX/year>2025 and requested proof of my written authorization or permissible purpose under the Fair Credit Reporting Act ( FCRA ) 604. Equifax responded without providing any documentation from the furnisher, which does not meet the requirement of a reasonable investigation under FCRA 611.

I am requesting that Equifax provide : A copy of any signed authorization or application for the inquiries.

The method of verification and contact information for the party that verified the inquiry.

Removal of the inquiries if no documentation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Summary of Incident : I, XXXX XXXX, am filing this report to document multiple instances of identity theft reflected on my XXXX  credit report. Several financial accounts have been opened using my personal information without my knowledge, authorization, or consent. Fraudulent Accounts Identified:1. XXXX XXXX XXXX XXXX  XXXX Account # : XXXX Opened : XXXX Status : Open, Current Location : XXXX XXXX XXXX XXXX, XXXX, UT XXXX Phone : XXXX XXXX ) XXXX I did not authorize or open this account.2. XXXX ( XXXX XXXX  XXXX Account # : \ [ masked in report ] Opened : XXXX Status : Open, Current I never applied for this credit line.3. XXXX XXXX XXXX  / XXXX Opened : XXXX Unrecognized. I never had any financial relationship with XXXX  or XXXX.4. XXXX XXXX XXXX Opened : XXXX This account is unknown to me.5. XXXX XXXX XXXX XXXX Opened : XXXX Unknown account. I did not initiate or sign any loan agreements.6. XXXX XXXX. Opened : XXXX I have no knowledge of this loan or transaction.7. XXXX Opened : XXXX No consent given to this bill-reporting or credit-building service. Additional Information : These accounts do not belong to me. I have no contractual relationship with any of the above-listed entities. I have never resided at certain addresses that appear to be associated with these accounts ( e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). My identity was likely used fraudulently by an unknown party for financial gain. I am requesting a full criminal investigation and assistance in documenting this identity theft. 
- INTERNAL USE ONLY : XXXX = [ XXXX ] NARRATIVE Report Created On XX/XX/year> XXXX XXXX  Page 1 of 3 REPORT NUMBER : XXXX - Amount Lost? = [ XXXX ] - Type of identity Theft = [ Bank Account Information ( XXXX ) <> Credit/ Debit card or Number ( XXXX ) ] - Documentation Provided ( Check all that apply ) = [ Bank/ Credit Card Statement <> Loan Documents ] - If Yes, please list Agency, Date, and Report # = [ FTC ReportXXXX XXXX - Have you previously reported this incident to law enforcement? = [ Yes ]

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXXXXXX 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 explanation