vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
In XXXX XXXX  I realized that I was paying for a loan that I never applied for once the agent told me what school it was for. It was for XXXX XXXX XXXX and I have never applied nor attended that university. Once I received the copy of the Promissory Note in XXXX XXXX, I noticed that the only thing correct was my name and social security number. My address city was incorrect, information for employer was false because I've never been employed there, school and degree pursuing was false, reference list is unknown to me, and the signature was not mine. A private student loan was taken out in my name without my consent. I never signed any application, received any funds, or benefitted from this loan. However, I made some payments and applied for forbearance in the past due to confusion and lack of clarity, not realizing that this loan was illegitimate. I assumed the loan was from XXXXXXXX XXXX because I recently completed my XXXX XXXX around the time I was required to pay. When making payments it never listed the school only that it was a private loan and the amount I owed. 

I have submitted a formal dispute to XXXX requesting : The original signed loan application Disbursement records Proof that I received or benefitted from the funds I sent a formal letter to XXXX on XX/XX/XXXXXXXX  and XX/XX/XXXX requesting the above documentation. XXXX has refused to acknowledge my dispute and continues to say I am responsible due to previous payments and forbearance, despite my claim that I never authorized or received this loan. I believe this violates consumer protection laws. I am now requesting a full investigation by the CFPB.

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 2025-07-22 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: IL

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent Inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentInquiries below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Disputing a XXXX XXXX collection account as not mine Experian failed to resolve Details : I am submitting this complaint regarding a collection account reported by XXXX XXXX to Experian under account number XXXX. 

I previously disputed this account with Experian, clearly stating that it does not belong to me and requesting a deletion under the FCRA Section 611. 
However, Experian did not conduct a reasonable investigation. Instead, they simply updated the reporting date in XX/XX/XXXX, but the inaccurate account remains on my credit file. 

The account shows a balance of {$1400.00}, reported as in collections, opened on XX/XX/XXXX, with no payments made and no contractual proof attached. 

This account is fraudulent or reported in error. I never opened or authorized any XXXX XXXX account under my name, and this is causing severe harm to my credit. 

I am requesting the CFPB to compel Experian and XXXX XXXX to provide : Full validation of the alleged debt Signed contract or agreement linking me to this account Immediate deletion if no such proof exists Attached are my dispute letter to Experian, my ID, and a copy of my credit report showing the entry. 

Thank you for your assistance.

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 2025-07-22 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: FL

Complaint narrative:
Several unauthorized and inaccurate items appeared on my credit report, including multiple account listings I do not recognize, outdated address variations, and a hard inquiry I never authorized. On or around XX/XX/year>, I reviewed my credit report and found several entriesincluding accounts from creditors like XXXX XXXX XXXX XXXX XXXX XXXX XXXX and multiple variations of XXXX XXXXXXXX XXXX XXXXthat were either duplicated, unverifiable, or unfamiliar to me. Some accounts were listed more than once with inconsistent information, while others were completely unknown, and I have never been provided supporting documentation such as original contracts or billing statements to prove their legitimacy. I also identified a hard inquiry from XXXX dated XX/XX/year>XXXX which I never consented to, violating my rights under FCRA 604. Despite my previous dispute efforts, these issues have not been resolved, and I am continuing to suffer the consequences of these incorrect and damaging entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$550.00} Open Date XX/XX/XXXXXXXX  These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX I called XXXX XXXX customer service and asked their representative if it was possible for another individual to pay the loan balance and purchase a utv from me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). She said sure, people do it all the time. I then added the buyer to the call on XXXX way and he facilitated payment with the representative and got off the phone. I then asked their representative what would happen next and she said I will get a paid in full letter in the mail. I asked her if everything was cleared/paid and if it was safe to release the property to the buyer. The representative assured me that it was. 

I fulfilled my duty as the seller and did what I was oked to do. The evening of XXXX my utv was picked up from my residence with me under the impression the loan that I was responsible for was paid and this person is the XXXX who paid it and are now the rightful owners. 

XXXX ( 14 days later ) I received a letter in the mail from XXXX ( I was thinking it was the paid in full letter ) but it stated the payment made on the account on XXXX was rejected and that it was my responsibility to fulfill my previous payment obligations. Since then I havent been able to get in touch with the buyer and I have filed a police report. XXXX accepted a fraudulent payment, assured me the account was paid in full and that it was safe to release the property to the buyer. 

I question the legality of this transaction and whom should really be responsible when I did my due diligence and asked multiple times for clarity if it was safe to release the utv. I called XXXX XXXX XXXX XXXX regarding this matter and they will not help me. They now will not respond to any written and formal requests by me and local law enforcement requesting recordings and/or any information that can help apprehend the person/people involved in defrauding me out of $ XXXX and prove their company knowing or unknowingly gave me false information that was critical to making proper decisions to protect ones self while conducting these sorts type of transactions.

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 2025-07-22 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$24000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Upstart Holdings, Inc.
State: PA

Complaint narrative:
Requested information 1 ) signed contract 2 ) payment history 3 ) chain of custody

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelowXXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law Issue : This address is being inaccurately reported on my credit file in violation of FCRA 15 USC 1681e ( b ) which requires maximum possible accuracy in reporting Story : I have never lived at this address and it does not belong to me in any way this address may have been mistakenly or fraudulently associated with my identity and I demand that it be deleted from all credit files immediately Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment * * Law Issue : Under 15 USC 1681s-2 ( a ) furnishers must report accurate information and under 1681i the bureau is required to reinvestigate any item in dispute within 30 days Story : This account shows a late payment that is being incorrectly reported I have no record of making any late payments on this account and I dispute the accuracy of that negative entry I am requesting full investigation and prompt removal if unverified Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations 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 non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
These unauthorized accounts were fraudulently created and are not linked to me. I ask that they be deleted and investigated right away. Relevant documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I've been contacting Transunion for over a year since ( XXXX  ) requesting for the company to update my last name & to remove inaccurate information from my credit report. This has been an ongoing issue since XX/XX/year>. The company fails to comply and keeps lying saying the information I'm sending in is coming from a 3rd party company which is complete nonsense. This situation is causing extreme hardship for me and my family.

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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX'I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this  claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. 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 2025-07-22 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.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
Im writing to dispute several accounts currently listed on my TransUnion credit report. These accounts contain inaccurate, inconsistent, or misleading information, and Im requesting a formal reinvestigation under the Fair Credit Reporting Act ( FCRA ).

XXXX. XXXX XXXX / XXXX Account # : XXXX Shows a charge-off but with a {$0.00} balance, which doesnt make sense Comments say it was purchased by another lender, but Ive never been contacted or sent proof XXXX  isnt reporting this account at all, which suggests an error or inconsistency XXXX. XXXX XXXX  Account # : XXXX This account is marked as charged off, but its still showing a balance owed, which is misleading since the account is closed. 
There are also conflicting payment dates and inconsistent language from a past dispute. 
A closed account shouldnt continue reporting a balance as if its active or unpaid. 

XXXX. XXXX / XXXX ( Duplicate Entry ) Account # : XXXX This appears to be a duplicate of the XXXX  account same data, different label Reports a charge-off with a {$0.00} balance Different bureaus show different info dates, payments, and comments dont match

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 2025-07-22 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: WA

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 : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXXXXXX XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$17000.00} 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 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