vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-09-26 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
On my Equifax credit report, there is a hard inquiry from XXXX XXXX XXXX dated XX/XX/2025. 

I submitted a personal loan application, but I formally withdrew and canceled it before any loan was approved, originated, or funded. I also notified XXXX  in writing that I would not be proceeding. Despite this, a hard inquiry was placed on my credit report. 

Because no loan account was ever established, this inquiry does not meet the Fair Credit Reporting Acts requirement of a permissible purpose ( 15 U.S.C. 1681b ). I requested documentation from XXXX  verifying the allowable purpose of this inquiry and proof that it was tied to an approved loan, but no documentation has been provided. 

This inquiry is unfairly harming my credit profile and should be removed unless XXXX can provide evidence that the XX/XX/2025, inquiry was fully authorized and connected to a valid, originated account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been making timely payments on my loan for property located at XXXX XXXX XXXX XXXX Florida XXXX. 
Beginning XXXX XXXX mortgage services, XXXX XXXX XXXX and soon after XXXX  XXXX XXXX XXXX XXXX failed to apply my payment for XX/XX/XXXX correctly to my account. 
Over last XXXX  years {$2300.00} have not been credited properly.I have proof of this payment through the banking records and confirmations. I faxed those proof to the mortgage companies and uploaded it to their portal as well.I was forced to pay my monthly payment twice in XX/XX/XXXX. 
Despite contacting the companies multiple times, the issue remain unresolved.The misapplied payment have created an inaccurate loan balance and could negatively affect my credit.

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 2025-09-26 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: NJ

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
I am contesting the information on my credit report is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been reported accurately according to the federal and state laws that apply to me, they are required to report information accurately and completely. All credit bureaus should not keep or report anything that they know is not in compliance with the law or regulations. They have not certify that all claims are true and accurate, complete and timely reported. I am requesting all accounts be DELETED IMMEDIATELY. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-26 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: PA

Complaint narrative:
I am contesting the information on my credit report is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been reported accurately according to the federal and state laws that apply to me, they are required to report information accurately and completely. All credit bureaus should not keep or report anything that they know is not in compliance with the law or regulations. They have not certify that all claims are true and accurate, complete and timely reported. I am requesting all accounts be DELETED IMMEDIATELY. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TrueAccord Corp.
State: MN

Complaint narrative:
I am submitting this statement regarding accounts that do not belong to me and were fraudulently opened in my name. I was a victim of a data breach in which my personal identifying information was stolen. Following the breach, I discovered multiple accounts on my credit report that I did not authorize and had no knowledge of. 
Because of this, I filed a FTC report as instructed to document the identity theft and to protect myself from further fraudulent activity. These accounts are not mine, and I am requesting that they be removed from my credit file as they are the result of identity theft. 
I take my financial history seriously and am actively working to correct these inaccuracies. Please find my police report and supporting documentation attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
1. Around XX/XX/year>, my personal information was compromised, triggering me changing my telephone number, email address and mailing address information as well as banking.

2. I contacted. AFFIRMs customer service agents around the end of XX/XX/year> They are outsourced and often times struggle understanding I have noted from previous contact with them. I gave them all my updated information and told them I wanted my payments to be put on auto pay from here on.

3. I applied for a mortgage nearly XXXX weeks ago and discovered XXXX charge offs from AFFIRM on my credit report. 
4. I called AFFIRM XXXX XXXXXXXX and spoke with a male agent who asked to verify my current contact information. He said he had XXXX As my telephone number and XXXX XXXX XXXX XXXX XXXX  as my address. I reminded him I had moved from XXXX  to XXXX  last year and had contacted their customer service to change that information and was assured it had been done. He said no problem he would make the updates to my new information in XXXX  and that he was sorry it didnt get done before. I asked him if he could take the charges off my credit since I had requested auto pay last XX/XX/year>. He said he could not do that, so he would let me speak to his supervisor.

5. I spoke to his supervisor who was a female agent. She identified herself as the head over the department. She confirmed again that the contact information that the mail agent just took was not changed again. I went over this with him repeatedly and he said he updated it, but she said it was not updated. She also confirmed auto pay was not updated either. She told me she could do nothing about the charge offs even if they werent my fault. I pleaded with her that I was not going to be able to get a mortgage with the charge off on there and that I was more than happy to pay everything off right then and there. Shes still refused to change or take responsibility for anything.

6. Prior to this incide
nt, I had multiple other Affirm loans and not one of them was ever late and they were paid off. This was an isolated matter and a problem due to.AFFIRM its self. I have the money the entire time if they would only have done the auto pay as I requested and as they confirmed at the time to have done.

7. I just was able to access my account since the supervisor finally understood the correct telephone number and updated it on my account. In checking my account, there is still no auto pay set and they are still using my old address at XXXX XXXX XXXX XXXX XXXX. THIS IS EGREGIOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to formally dispute a charge of {$220.00} that appeared on my Citibank credit card on XX/XX/year>, from XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
Neither I nor any member of my family was on this cruise. XXXX XXXX provided documentation showing the name and photo of the individual who made the charge. This person is not me, nor is he affiliated with my family in any way. 

I have contacted Citibank and disputed this charge on multiple occasions. Despite the clear evidence provided, Citibank continues to claim the charge is valid. This is deeply concerning, as the documentation clearly identifies someone else as the individual responsible for the transaction. 

Additionally, I filed a claim directly with XXXX XXXX over a XXXX  ago. Since then, they have not responded to any of my follow-up emails, making it extremely difficult to resolve this issue. 

I am requesting a thorough investigation and resolution of this matter. I am prepared to provide all supporting documentation, including the charge details and the backup provided by XXXX XXXX. 

Thank you for your attention to this matter. 

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 monetary relief
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I am submitting this complaint regarding several unauthorized credit inquiries appearing on my consumer report. A certified and notarized dispute letter regarding these inquiries was previously mailed to the credit reporting agencies, but I have yet to receive a satisfactory response. I am requesting a full investigation of the following 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), the only permissible purposes for accessing a consumers credit report are : A ) Firm offer of credit B ) Insurance C ) Court order D ) Employment screening None of the above applies to these inquiries listed on my credit report. These inquiries were made without my authorization and are therefore in violation of the FCRA. 

I am requesting that these unauthorized inquiries be investigated and permanently removed from my credit file immediately. Failure to do so is negatively impacting my credit and is a violation of federal law. 

Please provide written confirmation once these inquiries have been deleted and the investigation has 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-26 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: GA

Complaint narrative:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
My credit report shows XXXX late payments reported by XXXX XXXX XXXX ( account ending in XXXX ) in XX/XX/year> and XX/XX/year>. At the time, I was XXXX XXXX  under government orders, with limited ability to manage my accounts due to restricted communications and operational demands. 

As soon as I returned from XXXX, I corrected the account and paid the balance in full. Since then, I have maintained all of my XXXX accounts in excellent standing, including checking, savings, brokerage, CDs, and credit products. 

Despite this, the derogatory marks from XX/XX/year> and XX/XX/year> remain on my credit reports. These late payments were directly tied to XXXX hardship and do not reflect my normal payment behavior or overall creditworthiness. 

I requested that XXXX review and provide documentation verifying these notations in light of my XXXX, but no documentation has been provided. Reporting these lates as-is is misleading, unfair, and inconsistent with the Fair Credit Reporting Acts accuracy requirements ( 15 U.S.C. 1681e and 1681s-2 ). It also conflicts with the intent of protections afforded to servicemembers under the XXXX XXXX XXXX XXXX ( XXXX ). 

I am requesting that XXXX either provide full documentation verifying the continued accuracy of these late-payment notations or, preferably, remove the XX/XX/year> and XX/XX/year> derogatory entries from all credit bureau reports .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
My old roomate used my credit to get accounts that I didnt give permission to open. I did not open these accounts, Please take these off my credit since they are not mine.

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