vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Incorrect information on credit report Debt buyer account reported inaccurately.

This account is being reported by a debt buyer without proper documentation or chain of title. The reporting is inaccurate, incomplete, and unverifiable. Debt buyers frequently purchase accounts without full records, making their reporting unreliable.

Legal Violations : 15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum accuracy ; reporting unverifiable information violates this requirement.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Debt buyers may not report information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Once disputed, the furnisher must conduct a reasonable investigation and delete unverifiable accounts.

15 U.S.C. 1692j : Collection without proof of ownership, original signed agreement, and itemized billing is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, a scam occurred via Zelle. An imposter messaged me, to sell me concert tickets with proof of him having the tickets, under the pretense of being a business. However, once I Zelle 'd the person {$200.00} for a concert ticket, they blocked me and I never received the ticket. I tried to immediately contact my bank once I realized this was a scam and I also contacted Zelle. Under Zelle 's policy, imposter scams should be able to be refunded, however I was not reimbursed. I am happy to provide receipts of this transaction and scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally challenging the fraudulent accounts currently listed on my credit report. I did not authorize these accounts, nor do I have any association with them. Their reporting is false, harmful, and creates a misleading representation of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX  XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-09-16 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies and unverified accounts appearing on my credit reports. These errors are severely damaging my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Despite my prior attempts to dispute these items directly with the credit reporting agencies, the following inaccurate and unverifiable information continues to be reported : Wrong Addresses Being Reported XXXX XXXX XXXX, XXXX XXXX, MD XXXX Not my address XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Not my address These addresses are incorrect, fraudulent, and not connected to me. The inclusion of such information violates FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. 

Inaccurate/Unverified Accounts XXXX XXXX  XXXX * * Opened : XX/XX/XXXX Balance : {$180000.00} Late Payment reported in error * * XXXX XXXXXXXX XXXX * * Opened : XX/XX/XXXX Balance : {$360.00} Late Payment reported in error * * XXXX XXXXXXXX XXXX * * Opened : XX/XX/XXXX Balance : {$930.00} Late Payment reported in error * * XXXX CARD XXXX * * Opened : XX/XX/XXXX Balance : {$460.00} Late Payment reported in error * * XXXX XXXX  XXXX * * Opened : XX/XX/XXXX Balance : {$460.00} XXXX account unverifiable * * XXXX XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$940.00} XXXX account unverifiable * * XXXX XXXX XXXX * * Opened : XX/XX/XXXX Balance : {$150.00} Charge Off reported inaccurately * * XXXX  XXXX * * Opened : XX/XX/XXXX XXXX XXXX  : {$2300.00} Duplicate late payment entry * * XXXX XXXXXXXX * * Opened : XX/XX/XXXXXXXX XXXX XXXX : {$3400.00} Duplicate late payment entry * * These accounts are either inaccurately reported, unverifiable, or appear as duplicate entries. Credit bureaus are required under FCRA 611 to investigate disputes and remove any unverifiable or duplicate information. 

Violations of My Rights Under FCRA Failure to maintain maximum possible accuracy ( FCRA 607 ( b ) ). 

Continued reporting of unverifiable/duplicate accounts ( FCRA 611 ). 

Inclusion of addresses that do not belong to me, which XXXX also point to potential identity theft or mixed files. 

Requested Resolution I respectfully request the CFPB to investigate these matters and ensure that the credit reporting agencies : Permanently remove the wrong addresses listed above. 

Delete or correct all inaccurate, unverifiable, and duplicate accounts. 

Provide me with written confirmation once these corrections have been completed.

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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, Any fraudulent accounts that I did not recognize or sign a contract for must be removed off my credit report in XXXX days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-09-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I contacted XXXX and inquired about a loan account ending in XXXX was opened on XX/XX/XXXX and was paid and closed on XX/XX/XXXX with {$0.00} owed. I also disputed this account on Trans Union, Equifax and Experian, because i was XXXX  in state & XXXX  at the time, and that i couldn't have opened that account. All XXXX bureaus said the account was verified and left this on my credit 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 2025-09-16 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:
XX/XX/XXXX I contacted XXXX and inquired about a loan account ending in XXXX was opened on XX/XX/XXXX and was paid and closed on XX/XX/XXXX with {$0.00} owed. I also disputed this account on Trans Union, Equifax and Experian, because i was XXXX  in state & XXXX  at the time, and that i couldn't have opened that account. All XXXX bureaus said the account was verified and left this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
" I am disputing the accuracy of the charged-off auto loan account from XXXX. The reported balance of {$14000.00} has not changed for many years, which is illogical and indicates inaccurate reporting. Furthermore, the last payment date is listed as XX/XX/year>. I believe the status and balance being reported are incorrect. Please investigate with the furnisher to verify the accuracy of the current balance, the charge-off amount, and the last payment date. If the furnisher can not provide complete and verifiable proof of this debt, it must be deleted from my credit file. ''

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file. 

Since I never provided authorization for this company to access my credit, I am formally requesting the immediate removal of this unauthorized inquiry from my credit report. If you are unable to provide documented proof that I granted permission, you are required by law to delete this inquiry

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 2025-09-16 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: NC

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX  and I have personally written this message to bring to your attention unauthorized negative accounts on my credit report. It will be noted below. These have dropped my score and as a result I am unable to grow and improve my life because of denials. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of it. Please remove them all as soon as possible. My credit score has dropped significantly due to this. 
I have already created an FTC as well. FTC as well. FTC Report XXXX : XXXX As I am protected by laws under 15usc1681eb for maximum possible accuracy. These accounts are false and misleading under law 15usc1692 section 807 and I asked to have them INVESTIGATED and REMOVED. Accounts below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NC

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX  and I have personally written this message to bring to your attention unauthorized negative accounts on my credit report. It will be noted below. These have dropped my score and as a result I am unable to grow and improve my life because of denials. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of it. Please remove them all as soon as possible. My credit score has dropped significantly due to this. 
I have already created an FTC as well. FTC as well. FTC Report XXXX : XXXX As I am protected by laws under 15usc1681eb for maximum possible accuracy. These accounts are false and misleading under law 15usc1692 section 807 and I asked to have them INVESTIGATED and REMOVED. Accounts below

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 2025-09-16 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: AZ

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

1681c2 ) that you, the TransUnion 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 : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX 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 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 2025-09-16 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: SC

Complaint narrative:
During this dispute nothing was actually verified or processed just seem as if its an automated system and no real person checking into the dispute

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 2025-09-16 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: SC

Complaint narrative:
During this dispute nothing was actually verified or processed just seem as if its an automated system and no real person checking into the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NC

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 non-monetary relief
Consumer complaint received 2025-09-16 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: NC

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 non-monetary relief
Consumer complaint received 2025-09-16 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: CBC Companies, Inc.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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