vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: NC

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, Date Opened : XX/XX/XXXX, Balance : {$4600.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 US 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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite submitting government ID, SSN, and proof of residency multiple times in 2025, my current address is still inconsistent across Equifax, Experian, and XXXX. This inconsistency causes FICO and XXXX systems to fail authentication with address does not match. As a consumer, I am entitled to a unified and accurate credit file under the Fair Credit Reporting Act ( FCRA ). The credit bureaus failure to synchronize my residency violates their duty to maintain maximum possible accuracy and prevents me from accessing my credit information. I am unable to receive benefits to my credit- or obtain vital information for now several months. I can not get my updated credit report files for the past 4 months.On [ XX/XX/year> ], I contacted Equifax to resolve an address mismatch issue that is preventing me from accessing my FICO/XXXX account

s . I had already submitted a certified-mail dispute with my drivers license ( showing my current residency ), my Social Security card , and supporting proof of address, all compliant with the Fair Credit Reporting Act. SHE ALSO SAID SHE COULDN'T TELL ME WHAT LOCATION SHE WAS WORKING FROM. SO I HAVE NO IDEA IF THEY SEPARATED MY TWO PAGE LETTER WITH THE PHOTO SCANS OR NOT. Despite this, Equifax employee ID # XXXX refused to update my information and denied that my documents were included in my certified packet. This denial is false USPS certified tracking confirms delivery, and my packet contained both my ID and SSN card.

Equifaxs failure to correct and synchronize my current address violates the FCRAs requirement to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a proper reinvestigation with written results within 30 days ( 15 U.S.C. 1681i ). As a result, I remain locked
out of FICO authentication with an address does not match error, which is directly harming my ability to manage and monitor my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a certified mail dispute package to the national credit bureaus pursuant to FCRA 605B. My submission included : Proof of my identity ( DL, notarized affidavit ) FTC Identity Theft Report ( # XXXX ) A detailed list of fraudulent accounts, inaccurate addresses, unauthorized inquiries, and false employer information The bureaus confirmed receipt. Under FCRA 605B ( a ), they are legally required to block the reporting of all fraudulent information within 4 business days. 
It is now past the compliance deadline, yet the fraudulent items remain. This constitutes a clear violation of FCRA 605B. 
Fraudulent Items to be Blocked 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Violated Laws FCRA 605B ( a ) : Failure to block fraudulent information within 4 business days FCRA 615 ( f ) : Prohibition on sale/transfer of identity theft debts FCRA 623 ( a ) ( 6 ) : Furnishers must stop refurnishing identity theft data FCRA 616617 : Liability for willful or negligent noncompliance Desired Resolution Immediate permanent deletion of all fraudulent accounts, inquiries, and personal information listed above from my credit reports Written confirmation of compliance Prevent re-insertion of these items without full re-verification under FCRA 611 ( a ) ( 5 ) ( B )

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 2025-08-25 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: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a certified mail dispute package to the national credit bureaus pursuant to FCRA 605B. My submission included : Proof of my identity ( DL, notarized affidavit ) FTC Identity Theft Report ( # XXXX ) A detailed list of fraudulent accounts, inaccurate addresses, unauthorized inquiries, and false employer information The bureaus confirmed receipt. Under FCRA 605B ( a ), they are legally required to block the reporting of all fraudulent information within 4 business days. 
It is now past the compliance deadline, yet the fraudulent items remain. This constitutes a clear violation of FCRA 605B. 
Fraudulent Items to be Blocked 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Violated Laws FCRA 605B ( a ) : Failure to block fraudulent information within 4 business days FCRA 615 ( f ) : Prohibition on sale/transfer of identity theft debts FCRA 623 ( a ) ( 6 ) : Furnishers must stop refurnishing identity theft data FCRA 616617 : Liability for willful or negligent noncompliance Desired Resolution Immediate permanent deletion of all fraudulent accounts, inquiries, and personal information listed above from my credit reports Written confirmation of compliance Prevent re-insertion of these items without full re-verification under FCRA 611 ( a ) ( 5 ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
This letter is a formal dispute of a fraudulent account reported under my identity. I have never had any involvement with this account and did not authorize its creation or use. Its presence on my credit report is entirely false and damaging to my reputation.

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 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I entered into a retail installment contract for a XXXX XXXXXXXX XXXXXXXX with XXXX XXXX XXXX XXXX XXXX XXXX, Financed by Capital one Auto Finance. 

This complaint involves BOTH XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX the dealership that misrepresented the advertised vehicle price, added an unauthorized {$4.00} XXXX 
contract and financing was done at XXXX XXXX XXXX  and XXXX XXXX XXXX finalized the transaction. 

1.The Retail installment contract shows a {$4900.00} charge for a service contract 2. The Buyer 's order from the same day list service contract = N/A 3. The XXXX XXXX contract states its optional and cancellable 4. when I contacted XXXX directly, I was refused information on the service agreement because they stated it was in my co-signers name, XXXX XXXX XXXX XXXX I was never informed at signing and that the contract would exclude me, I financed this contract, yet I can not even access it because of this misidentification. This demonstrates the add-on was misrepresented and mishandled. Its unfair to list me as a co buyer I signed as co-signer because my co signer has a higher score. I provided the down payment, yet I am not the buyer of record this is deceptive 5. These inconsistent disclosures violates the Truth In Lending Act ( 15 U.S.C 1638 ; Regulation Z ) 6. The pricing also violates NY GBL 349-350 because the Vehicle was advertised at {$29000.00} on XX/XX/XXXX but sold at {$40000.00} the next day this represents over XXXX in undisclosed overcharge and constitutes false advertising and bait-and-switch 7. Although I put down a down payment of {$6000.00} not a single dollar was applied to reduce the vehicles purchase price or my loan balance. Instead the entire sum was absorbed by an unauthorized service contact for {$4900.00}, {$400.00} in fees and {$630.00} disappeared. This was never disclosed to me at signing and constitutes and unfair and deceptive practice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Under FCRA 605B ( 15 USC 1681c-2 ), I request permanent blocking of fraudulent accounts linked to identity theft and possible exposure from a data breach. These accounts were reported without my consent, violating 1681 ( a ) ( 2 ). Furnishers are required under 1681s-2 to investigate and stop reporting unless verified with proof. No such verification has occurred. CRAs are also obligated under 1681e ( b ) to ensure maximum accuracy, and continued reporting of disputed, unverifiable accounts violates this standard. Under FDCPA 1692c ( a ) ( 2 ), collection on identity theft-related accounts must cease. I demand immediate removal of all accounts resulting from unauthorized access, identity theft, or data breach-related misuse.

ACCOUNTS : 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: AZ

Complaint narrative:
Do not own the account, Social Security XXXX judgment, proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: PR

Complaint narrative:
These accounts should be removed within 15 days, per the rules of USC 1681g.

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 2025-08-25 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: NC

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

1681c2 ) that you, the Equifax 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 : {$4600.00XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX  Account Number : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
T

he 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-25 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: AZ

Complaint narrative:
T

he 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-25 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: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws.

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