vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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 submitting this dispute to address discrepancies found on my credit report across the XXXX XXXX  credit bureaus : XXXX  ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX XXXX XXXX 
Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$35.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2000.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXXXXXX, XXXX : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments :

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 2025-11-20 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:
CFPB COMPLAINT Identity Theft & Fraudulent Accounts Consumer : Name : XXXX XXXX XXXX DOB : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX SSN ( last 4 ) : XXXX Companies Involved : TransUnion Equifax Experian XXXX Bank XXXX XXXX XXXX ( multiple accounts ) XXXX XXXXXXXX Bank XXXX XXXX Complaint Title : Identity Theft Fraudulent Accounts Reported and Failure to Block Under FCRA 1681c-2 Complaint Narrative ( Paste This Section Exactly ) : I am submitting this complaint because multiple fraudulent accounts have been reported under my name by TransUnion, Equifax, and Experian XXXX These accounts were NOT opened, authorized, signed for, or used by me. I am a victim of identity theft. 

I have already notified the credit bureaus, provided identification, proof of address, and a written fraud statement. However, the bureaus have failed to block and delete these fraudulent accounts, even though the Fair Credit Reporting Act ( FCRA ) requires them to do so within 4 business days under FCRA 1681c-2 ( a ). 

The following accounts are fraudulent and must be removed immediately : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX BANK NA XXXX XXXX. XXXX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened fraudulently without my knowledge or consent. They are identity theft, not consumer disputes. 

Under FCRA 1681c-2, the credit bureaus MUST : Block fraudulent information Stop reporting it immediately Notify all furnishers Delete all related inquiries Complete this within 4 business days of receiving my documentation The bureaus have not complied with these requirements despite being properly notified. 

Their continued reporting of this information is harming me financially, damaging my credit profile, and preventing me from obtaining basic credit and financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
CFPB COMPLAINT Identity Theft & Fraudulent Accounts Consumer : Name : XXXX XXXX XXXX DOB : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX SSN ( last 4 ) : XXXX Companies Involved : TransUnion Equifax Experian XXXX Bank XXXX XXXX XXXX ( multiple accounts ) XXXX XXXXXXXX Bank XXXX XXXX Complaint Title : Identity Theft Fraudulent Accounts Reported and Failure to Block Under FCRA 1681c-2 Complaint Narrative ( Paste This Section Exactly ) : I am submitting this complaint because multiple fraudulent accounts have been reported under my name by TransUnion, Equifax, and Experian XXXX These accounts were NOT opened, authorized, signed for, or used by me. I am a victim of identity theft. 

I have already notified the credit bureaus, provided identification, proof of address, and a written fraud statement. However, the bureaus have failed to block and delete these fraudulent accounts, even though the Fair Credit Reporting Act ( FCRA ) requires them to do so within 4 business days under FCRA 1681c-2 ( a ). 

The following accounts are fraudulent and must be removed immediately : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX BANK NA XXXX XXXX. XXXX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened fraudulently without my knowledge or consent. They are identity theft, not consumer disputes. 

Under FCRA 1681c-2, the credit bureaus MUST : Block fraudulent information Stop reporting it immediately Notify all furnishers Delete all related inquiries Complete this within 4 business days of receiving my documentation The bureaus have not complied with these requirements despite being properly notified. 

Their continued reporting of this information is harming me financially, damaging my credit profile, and preventing me from obtaining basic credit and financial services.

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 2025-11-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CREDIGY SOLUTIONS INC.
State: CA

Complaint narrative:
So I was told they would help me fix my credit and 90 days de XXXX months XXXX days, and XXXX Happen, and after seeing multiple charges, I decided to close the account. I talked to a representative and told him I wanted it to close that account and cancel and he told me that he would cancel it and its been XXXX months now and they still keep trying to take money out of my account, at least XXXX 4 times a week. I already told him multiple times to close my account. I need help making all my other payments. Be late. Really stressing me out Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
Ally Financial is reporting that I owe {$17000.00} for an auto loan that I never opened, never authorized, and have no knowledge of. I was first contacted by Ally in XX/XX/year> regarding a missed payment. I believed the call was spam because I have never had an auto loan with Ally Financial. 

I do not recall ever applying for or signing for any vehicle loan, and I have never given anyone permission to obtain an auto loan in my name. My identity has been stolen, and this account was created without my consent. 

I recently checked my credit report and discovered that Ally Financial is reporting an auto loan that appears to have been repossessed. This has caused serious damage to my credit and has created financial and legal issues for me. 

I filed an FTC Identity Theft Report and can provide documentation to confirm I am a victim of identity theft. This account is 100 % fraudulent. 

What I am requesting through this CFPB complaint : Ally Financial must fully investigate this account as identity theft. 

Remove the fraudulent auto loan and repossession from my name. 

Provide copies of all documents allegedly used to open the loan, including : The credit application The signed contract The ID that was used Address, phone number, email, or IP address associated with the loan Cease all collection activity and negative reporting. 

Provide written confirmation of the results of their investigation. 

I am a victim of identity theft and did not authorize this loan. I am requesting the CFPBs assistance in having Ally Financial correct and remove all fraudulent information from my credit and records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the following items on my TransUnion credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXXXXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX, XXXX INQUIRIES XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS 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 2025-11-20 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: GA

Complaint narrative:
Hi my name is XXXX XXXX XXXX. I have been continuously damaged by Experian to the point where it has become willfully criminal. Experian opened multiple new disputes on my credit report on XXXX XXXX XXXX  without my authorization, immediately after receiving my prior CFPB complaint. I did not submit any new dispute requests. This conduct violates the Fair Credit Reporting Act and interferes with the dispute process overseen by the CFPB. 

On XX/XX/year>, I filed a complaint with the CFPB regarding Experians illegal reinsertion of previously deleted accounts, failure to provide the required reinsertion notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), and Metro 2 reporting inaccuracies. The CFPB forwarded that complaint to Experian on the same day.

On XXXX XXXX XXXX, after receiving notice of my CFPB filing, Experian opened NEW disputes on several of the reinserted accounts XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX WITHOUT any authorization from me. 
I received multiple alerts in my Experian account stating : You have opened an Account Dispute The dispute has been received This statement is false. 
I did not open any new disputes, request investigations, or authorize Experian to begin any new reinvestigation. 
This is a serious violation of the FCRA, including : 1. Unauthorized dispute initiation Under 15 U.S.C. 1681i, a consumer reporting agency must conduct a dispute only when the consumer initiates it.

I did NOT initiate these disputes.

2. Interference with an active CFPB-supervised investigation By opening unauthorized disputes : Experian is attempting to restart or reset legal timelines Experian may be attempting to evade accountability for the illegal reinsertion referenced in my original complaint Experian is altering my credit file without my permission 3. Procedural abuse This creates confusion in the dispute record and interferes with : My right to accurate handling of disputes The CFPBs ability to oversee my original complaint My rights under 1681i ( a ) regarding reinvestigation 4. Misleading and deceptive practices A CRA should never claim You have opened a dispute when the consumer did NOT open one.

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 2025-11-20 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: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-11-20 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: MO

Complaint narrative:
I

m reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-20 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-20 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: IN

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, I am disputing the following inquiries : Late Payment Disputes I am also disputing late payments listed on my credit reports, as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 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: OH

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

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