vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

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 2025-06-26 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: TX

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

1681c-2 ) that you, the Experian credit reporting agency, 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 TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c-2 that you the TransUnion credit reporting agency 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese account have resulted in fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud. I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the Transunion credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-06-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: OK

Complaint narrative:
On XX/XX/year>, I filed a complaint with the CFPB against Absolute Resolutions Investments ( ARI ) requesting full validation of a debt they claim I owe. I specifically requested the original signed agreement, a full breakdown of the account, payment history, and proof of ownership or assignment. 

On XX/XX/year>, ARI responded only with a written explanation. They did not provide any actual documentation to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Since they have failed to show proper documentation, I am requesting this matter be closed in my favor and the debt be removed from my credit report entirely. A company should not be allowed to report or collect on a debt they can not prove with valid documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been unable to submit disputes through the " My Equifax '' platform, despite verifying my identity. The accounts in question are fraudulent and were reported without my knowledge or consent.

Pursuant to 15 USC 1681c2 and 1681s2, I am demanding the removal of these fraudulent and inaccurate accounts from my credit report within 4 days. This is an identity theft matter. Please see the attached FTC Identity Theft Report, my identification, and proof of address. 
-- -- -- - Equifax Account Names and Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
The status of the Sweet vs Cardona refunds for the automatic relief group. Severely past due to process refund and no information or status can be given. The XXXX XXXX XXXX  by XXXX XXXX court ordert should have been completed already. The last report for the XXXX  judge case on XXXX was reported as completed which is inaccurate because mine and several others in the borrower defense group are reporting we are still waiting for our refunds. 

XXXX XXXX Borrowers Defense Case ( XXXX XXXX XXXX ) # XXXX Date Submitted : XX/XX/year> Refund Process on Mohela 's End and verified by Customer Service : XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-26 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
This is a supplemental dispute. Experian removed some items but continues to report additional fraudulent accounts that were not addressed in the initial dispute. I am submitting this formal legal request for deletion under FCRA 605B, supported by my police report, FTC report, and breach documentation.

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 2025-06-26 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: AZ

Complaint narrative:
* * XX/XX/XXXX * * After numerous attempts to resolve this matter, a thorough investigation never took place to make the corrections to my credit report, seriously delaying the purchase of my first home. Please make the proper corrections to my consumer report. 

* * Full Name * * : XXXX XXXX XXXX XXXX. 
* * Date of Birth * * : XX/XX/XXXX * * Social Security Number * * : XXXX * * Address * * : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX AZ XXXX * * Phone Number * * : XXXX * * Email Address * * : XXXX * * To Whom It May Concern, * * This letter serves as my formal written statement in support of my identity theft case, which has already been reported. I am submitting this documentation as required under Section 605B of the Fair Credit Reporting Act to request the removal or blocking of fraudulent accounts and unauthorized inquiries from my credit file. 

# # # Fraudulent Accounts 1. * * Creditor/Company * * : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$720.00} Description : Credit card account 2. * * Creditor/Company * * : XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} Description : Revolving credit account # # # Unauthorized Inquiries 1. * * XXXX XXXX * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX XXXX. * * XXXX XXXXXXXX XXXX  ( XXXX ) * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX XXXX. * * SXXXX * * XX/XX/XXXX XXXX. * * XXXX  * * XX/XX/XXXX XXXX. * * XXXXXXXX XXXX XXXX  ( XXXX ) * * XX/XX/XXXX XXXX. * * XXXX XXXX XXXX XXXX * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX I did not authorize these accounts or inquiries. They are the result of identity theft and must be removed or blocked from my credit reports. 

Attached is supporting documentation, including my lease agreement, a copy of my government-issued ID, and a recent utility bill as proof of identity and address. 

# # # Please ensure removal from the records of : - Experian - Equifax - TransUnion XXXX Consumer Financial Protection Bureau ( for documentation and complaint resolution ) Thank you for your assistance in helping to correct my credit records and protect my identity. 

Sincerely, * * XXXX XXXX XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
* * XX/XX/XXXX * * After numerous attempts to resolve this matter, a thorough investigation never took place to make the corrections to my credit report, seriously delaying the purchase of my first home. Please make the proper corrections to my consumer report. 

* * Full Name * * : XXXX XXXX XXXX XXXX. 
* * Date of Birth * * : XX/XX/XXXX * * Social Security Number * * : XXXX * * Address * * : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX AZ XXXX * * Phone Number * * : XXXX * * Email Address * * : XXXX * * To Whom It May Concern, * * This letter serves as my formal written statement in support of my identity theft case, which has already been reported. I am submitting this documentation as required under Section 605B of the Fair Credit Reporting Act to request the removal or blocking of fraudulent accounts and unauthorized inquiries from my credit file. 

# # # Fraudulent Accounts 1. * * Creditor/Company * * : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$720.00} Description : Credit card account 2. * * Creditor/Company * * : XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} Description : Revolving credit account # # # Unauthorized Inquiries 1. * * XXXX XXXX * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX XXXX. * * XXXX XXXXXXXX XXXX  ( XXXX ) * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX XXXX. * * SXXXX * * XX/XX/XXXX XXXX. * * XXXX  * * XX/XX/XXXX XXXX. * * XXXXXXXX XXXX XXXX  ( XXXX ) * * XX/XX/XXXX XXXX. * * XXXX XXXX XXXX XXXX * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX XXXX. * * XXXX * * XX/XX/XXXX I did not authorize these accounts or inquiries. They are the result of identity theft and must be removed or blocked from my credit reports. 

Attached is supporting documentation, including my lease agreement, a copy of my government-issued ID, and a recent utility bill as proof of identity and address. 

# # # Please ensure removal from the records of : - Experian - Equifax - TransUnion XXXX Consumer Financial Protection Bureau ( for documentation and complaint resolution ) Thank you for your assistance in helping to correct my credit records and protect my identity. 

Sincerely, * * 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX  Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
The amount is XXXX the account was closed XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation