vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding TransUnion 's continued reporting of inaccurate and unauthorized address information on my consumer credit report, despite my previous efforts to correct the record. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report and to have such disputed items investigated and appropriately resolved within a reasonable timeframe. 

I have provided TransUnion with my correct and current residential address, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, XXXX additional addresses have been inaccurately reported on my TransUnion profile : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX These addresses are not mailable and Transunion XXXX have my permissionto list these inaccurate addresses with my identity, and I did not authorize their inclusion on my report. Their continued presence XXXX negatively affect my credit profile and compromise the accuracy of information relied upon by lenders and other parties, and open me to identity theft. 

I respectfully request the CFPB to investigate this matter and ensure that TransUnion complies with its obligations under the FCRA by removing the erroneous address information from my consumer report. 

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy is claiming I purchase equipment ( Tiller as such ) on XX/XX/XXXX in the amount of {$560.00} from XXXX  XXXX XXXX XXXX XXXX. The agent from Best Buy called me on XXXX to ask about the changes as they were higher than anything I had ever used the card for. And the fact that the card had been paid off since XX/XX/XXXX. I asked for the card to be cancelled. And the agent said they would and that they would be sending me a new card. 

Shortly after that, they came back and said the charges were my responsibility. I then called the again on XX/XX/XXXX and said that this was fraud. I did not make the purchase. Today, XX/XX/XXXX they came back with a list of tools that they calm I purchased and were delivered to me. 

I am XXXX XXXX XXXX. What would I do with a tiller? They said it was delivered, but have not provided anything that proves the delivery.

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 2025-07-29 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:
bXXXX XXXX\nXXXX\nXXXX\nXXXX XXXX XXXX XXXX\nXXXX AZ XXXX\n\nEquifax Information Services, LLC\nXXXX. XXXX XXXX\nXXXX GA XXXX\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in\nmy name.\n\nThe fraudulent account that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXX XXXX XXXX\n\nI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nXXXX XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The bankruptcy record below is inaccurately reported on my credit file and should either be corrected or deleted based on its current status and verifiability. 

Item in Dispute : Bankruptcy XXXX  XXXX Case Number : XXXX Status : Discharged XXXX Requested Resolution : Reinvestigate the accuracy of the bankruptcy record. 

Obtain direct verification from the original source ( bankruptcy court ) not from third-party sources like XXXX. 

If it can not be fully verified through the court, permanently delete the record and any related derogatory tradelines still linked to the bankruptcy. 

If the bankruptcy is over 10 years from the date of filing, it must be removed in accordance with FCRA 1681c ( a ) ( 1 ).

Send me written confirmation of the deletion or correction, along with an updated copy of my credit report, within 15 business days.

If Not Resolved : If this issue is not resolved, I will escalate the matter by filing complaints with the FTC and state Attorney General, and pursue legal claims under FCRA 616 and 617, which provide for statutory and actual damages, plus legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX 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 2025-07-29 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: OH

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2019, Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NJ

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX ( XXXX ) back in XXXX. My Loans have been processed and I am currently sitting at XXXX out of XXXX qualified XXXX payments. In XXXX and XX/XX/year> my loans were place in an administrative forbearance due to being on the XXXX repayment plan and an adjustment being made to the plan to all borrowers ( I believe it was a reduction from XXXX XXXX to XXXX XXXX  ). Both XX/XX/year> and XX/XX/year> should have counted towards my XXXX forgiveness however XXXX is not counting. On XX/XX/year> I was notified by Mohela ( my servicer ) that my account was not is an administrative forbearance due to the XXXX XXXX injunction and that this forbearance is NOT PSLF eligible. 

I contacted XXXX to find out why my XX/XX/year> payment had not been processed for XXXX. They informed me that this month was coded as a SAVE injunction admin forbearance and not the XXXX recalculation admin forbearance. I contacted Mohela today XXXX and they agreed, but when they brought this case up to higher managers for approval I was told to do buyback because the XXXX injunction started before XX/XX/year> ended they could not count that month. 

I am so upset with the lack of communication on this. I was not notified until XX/XX/year> that my admin forbearance was changing and I do not think that I should be responsible for that XX/XX/year> payment. I am writing today because I think that Mohela is not putting it's customers first and not pursuing best practices. I will also be reaching out to my local senators on this issue. I know that I am only XXXX case but there may be many others in my scenario. I would be happy to provide copies of the notifications I received from Mohela.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint concerning an unauthorized credit inquiry that was made on my credit report without my knowledge or consent. This inquiry negatively impacts my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this company to perform a hard inquiry to my credit report. I have made multiple attempts to Transunion, Equifax and Experian to remove, and nothing has been done. 
I have not applied for any loan service from this entity. 

I respectfully request that the Consumer Financial Protection Bureau to : XXXX. Investigate this matter in accordance with the FCRA XXXX. Require the company to provide proof of my authorization for the credit inquiry XXXX. If not other authorization exists, request the company immediately remove the inquiry from all affected credit bureaus XXXX. Take any other appropriate regulatory action to prevent further abuse of consumer credit information. 
Thank you for your attention to this matter. I trust that the CFPB will help ensure my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint concerning an unauthorized credit inquiry that was made on my credit report without my knowledge or consent. This inquiry negatively impacts my credit score and violates my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this company to perform a hard inquiry to my credit report. I have made multiple attempts to Transunion, Equifax and Experian to remove, and nothing has been done. 
I have not applied for any loan service from this entity. 

I respectfully request that the Consumer Financial Protection Bureau to : XXXX. Investigate this matter in accordance with the FCRA XXXX. Require the company to provide proof of my authorization for the credit inquiry XXXX. If not other authorization exists, request the company immediately remove the inquiry from all affected credit bureaus XXXX. Take any other appropriate regulatory action to prevent further abuse of consumer credit information. 
Thank you for your attention to this matter. I trust that the CFPB will help ensure my rights as a consumer are protected.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It XXXX Concern, I am writing in response to your letter dated XX/XX/XXXX, regarding XXXX XXXX XXXX XXXX XXXX  ), Account Ending in XXXX. 
Your response does not adequately address the core issue : this contract and associated loan were expressly canceled in person at the dental providers office the day after I signed it, in XX/XX/XXXX. At that time, I was explicitly told that the contract was nullified, and there was nothing further I needed to do. 
The key facts of this case are as follows : I did not authorize the loan to proceed. After canceling the contract, no dental services were rendered at that time. 
Despite my cancellation, XXXX XXXX opened a loan in my name. This was done without my knowledge or consent, and no confirmation of my alleged acceptance of financing terms was sent or acknowledged by me after cancellation. 
My bank account was charged monthly for a contract that I had voided. I did not knowingly authorize these deductions. 
When I returned in XXXX, I was told I had a credit not an open loan. I reasonably believed the funds available were due to my own prior payments. At no time was I informed I was reactivating or re-engaging with the XXXX loan. 
Your company claims I used the credit in XXXX, but the loan had already been charged off in XXXX. This contradiction using a balance from a closed and charged-off account further supports my claim that there was gross mismanagement or misrepresentation by both the lender and the provider. 
I was promised a {$400.00} refund. That refund was never sent to me despite multiple requests.

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 2025-07-29 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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 XXXXXXXX XXXX - XX/XX/XXXX - This inquiry was not authorized- Please remove. 
XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 
XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.

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 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute the continued and unlawful reappearance of an account on my credit report without proper notification in accordance with the Fair Credit Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ).

There are several accounts that were paid and are still on my account. As well as some that are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I am writing to formally dispute the continued and unlawful reappearance of an account on my credit report without proper notification in accordance with the Fair Credit Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ).

There are several accounts that were paid and are still on my account. As well as some that are incorrect.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis is reporting inaccurate names, addresses, and phone numbers on my report. I have previously disputed this and information on which they claim to have verified the information but provided me with no evidence to show how they were able to verify the information. 

My name is XXXX XXXX. Any other name is incorrect and I am not known by it or ever been called by it. 

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I do not have another address and any other address being reported is incorrect. 

Delete any phone numbers or spouses names they do NOT belong to me. There are several bankruptcy records listed that are incorrect. Delete it.

Company response to consumer: Closed with non-monetary relief