vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
Each month we were furnished with mortgage statements from loan care that were not accurate, misleading payment information. each month we paid what was on the statements. brought to their attention. they told me and my wife that we could dispute it but had to put things in writing and supply them copies of what they ALREADY HAVE!!!! this is an outrage and is against the fair credit reporting act. I have proof, that they are inaccurate and the nice lady I spoke to from their company. Her name is XXXX, I Calle today and asked for her, and was told that I couldn't speak to her even though she told us we can ask for her anytime I called in. this company has been known for doing this to other people. please advise and help on this matter would be great. My credit score took a hit because of their inability to do their job right. they told me this month that we had to pay over XXXX $ to become current. which I paid but that put us in a bad spot because they weren't doing their job and we had put out that money that really needed to go else where.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
On XX/XX/year>, I was at XXXX XXXX at XXXX XXXX from XXXX XXXX. Later that night, I left with someone and did not return to my vehicle until about XXXX XXXX  the next day. When I arrived, I found my car had been unlawfully entered and my wallet was missing. I did not leave my car unlocked or give permission for anyone to access it. 

My wallet contained personal identification and credit cards. I suspect the theft happened while I was away. A few months later, I discovered fraudulent accounts opened in my name on my credit report, which I had no knowledge of before. 

I have reported the stolen credit cards and fraudulent accounts to the relevant institutions and am requesting an investigation into this unauthorized entry, theft, and identity fraud. ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: OR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-13 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: NY

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 : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} 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 2025-08-13 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-13 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-08-13 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX XXXX late payments on XX/XX/XXXX, from an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account was not been late on payments I attached a copy of my report to this complaint on the following dates XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint regarding an obsolete account still being reported on my Equifax credit file by XXXX, account ending in XXXX. The account was opened on XX/XX/XXXX and became delinquent shortly thereafter. It was paid in full on XX/XX/XXXX, but the delinquency occurred well over 7 years ago. 

Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ), derogatory information such as charge-offs, collections, or late payments may only be reported for 7 years from the date of first delinquency. This account exceeds that time limit by several years and should have been removed long before now, regardless of the last reported date of XX/XX/XXXX. 

I previously disputed this account directly with Equifax, but it remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-13 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MA

Complaint narrative:
In XX/XX/year>, I contacted Sallie Mae twice because my current monthly payment was unaffordable. I requested a forbearance but was told I did not qualify. I then asked for a lower monthly payment plan ; Sallie Mae offered the Graduated Repayment Period ( GRP ), but the payment was still too high for me to afford. I also asked about any hardship, reduced-payment, or interest-only programs, and was told none were available for my loan type.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: OR

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-08-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Figure Technologies, Inc
State: NC

Complaint narrative:
Background : On XX/XX/year> I applied for a second HELOAN via email and was quoted {$85000.00} HELOAN at 7.699 % fixed for 30 years ( see attached ) and I approved it via email. And it was funded in one week on XX/XX/XXXX. However during this process, I wasnt asked about my income or if there was another debt! 

The surprise : On XX/XX/XXXX, I was notified by Figure of my new loan terms : - HELOC for 30 years at 9.48 % - first 5 years at interest only at $ XXXX month - provided 15 page document that I have never seen it before and I didnt sign - on early XXXX formally requested to refinance my loan at a lower rate since the rates have dropped but it was rejected ( please see attached )- I am on fixed income Social security at $ XXXX month and currently my debt to income ration is 74 % First loan {$130000.00} with XXXX / XXXX {$920.00} Second loan {$85000.00} Figure / month=. {$720.00} Home insurance $ XXXX month Home property tax $ XXXX month Home association XXXX XXXX month Accordingly Figure has changed my rate agreement from 7.699 % to 9.48 % without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Kikoff Inc.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with KIKOFF INC or any of the affiliates. I have confirmed and advised KIKOFF INC that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how KIKOFF INC approved a credit under my name, without doing any further review and confirmation. Given the fact that KIKOFF INC has the right to investigate and obtain all necessary information prior to approving any credits, KIKOFF INC Filed to uphold that duty and has caused my information to be used in a scam. Furthermore, KIKOFF INC must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that KIKOFF INC must comply with prior to approving any credit card/lines to anyone. Pursuant to KIKOFF INC 's online advertisement, KIKOFF INC encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from KIKOFF INC stating that my information was used or attempted to be used in order to open an account. Thus, KIKOFF INC has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, XXXX violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for KIKOFF INC to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-08-13 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: FL

Complaint narrative:
On multiple occasions, the account XXXX XXXXXXXX XXXX XXXX Account No. XXXX has been deleted from my Experian credit report as a result of my prior disputes and identity theft claims ( FTC Report No. XXXX ). 

Despite this, Experian has illegally reinserted the same account on two occasions without complying with the requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which states that : A consumer reporting agency may not reinsert previously deleted information unless the furnisher of the information certifies in writing that the information is accurate and complete.

The agency must provide the consumer with written notice of the reinsertion within five ( 5 ) business days.

Experian has not provided me with : Any written certification from the furnisher validating the account. 

Any written notice of the reinsertion within the required timeframe.

This constitutes a willful violation of FCRA 611 ( a ) ( 5 ) ( B ), as the account was previously deemed unverifiable and removed. The reinsertion without proper certification and notice is illegal and harms my credit history.

Furthermore, this violates FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires the permanent blocking of information resulting from identity theft within four business days after receiving the FTC Identity Theft Report. 

I demand the immediate and permanent deletion of this account from my credit file and confirmation that it will be blocked from any future reinsertion unless full compliance with FCRA reinsertion requirements is met.

Failure to resolve this matter promptly may result in legal action for : Defamation of character Negligent enablement of identity fraud Willful violations of the FCRA under 15 U.S.C. 1681n Financial injury I am attaching supporting evidence showing : Previous credit reports where the account was deleted.

Credit reports where the account reappeared. 

My FTC Identity Theft Report.

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 2025-08-13 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ 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 non-monetary relief