vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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:
I am filing this dispute regarding several accounts that were fraudulently opened in my name. I did not authorize or open the following accounts : XXXX XXXXXXXX ( XXXX accounts with balances of {$1100.00}, {$2700.00}, and {$2100.00} ) XXXX XXXX  ( {$1300.00} ) XXXX XXXX Bank ( {$750.00} ) XXXX XXXX XXXX ( {$20000.00} ) XXXX ( {$17000.00} ) XXXX XXXX ( {$9900.00} ) XXXX XXXX XXXX XXXX ( XXXX accounts totaling {$25000.00}, {$20000.00}, and {$4500.00} ) XXXX ( {$5000.00} ) XXXX XXXX ( {$8700.00} ) XXXX XXXX  ( {$36000.00} ) I contacted the credit bureaus by phone and was advised to file a police report to support my claim. I have complied and submitted a police report. The official case number is 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 2025-07-10 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs 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 2025-07-10 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:
Statement to the Consumer Financial Protection Bureau Regarding Fraudulent and Inaccurate Credit Report Entries To Whom It May Concern, I am writing to formally report multiple inaccuracies and fraudulent entries that appear on my credit reports across the major credit bureaus. These errors are severely affecting my personal and financial integrity. Firstly, my legal name, current home address, and employment information listed on the reports are incorrect and do not reflect my true identity or current situation. I have not authorized or submitted any changes that would justify such erroneous personal data being displayed.

Furthermore, I have discovered that there are multiple entries listed under the Office of the Attorney General that are categorically incorrect and unrelated to me. I have no knowledge or legal association with any of these accounts, and I strongly assert that they do not belong to me. These accounts should be immediately removed to prevent further reputational and financial damage. 

In addition to these issues, I have never had any financial relationship or accounts with the following companies XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Foot XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX These entries are fraudulent and must be investigated and expunged from my credit files without delay. 

It is also critically important to note that I did not authorize any hard or soft credit inquiries from the aforementioned creditors. These inquiries were made without my consent or knowledge and constitute a violation of my privacy and consumer rights. I request that all unauthorized inquiries be investigated and removed immediately to restore the accuracy of my credit report. 

Given the extent and seriousness of these inaccuracies and fraudulent activities, I respectfully request an urgent and thorough investigation into my case. I am prepared to submit supporting documentation to verify my identity and to dispute all the erroneous and fraudulent entries. I trust that the CFPB will assist in ensuring that my consumer rights are upheld and that these issues are rectified promptly. Thank you for your attention to this matter.

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 2025-07-11 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, Experian & Transunion and XXXXXXXX XXXX XXXX XXXXXXXX  I am filing this complaint against XXXXXXXX XXXX XXXXXXXX XXXX also identified as XXXX  on my credit reports ) for inaccurately reporting late payments on my mortgage account. Specifically, a 60-day late mark is reported for XX/XX/XXXX, which I have disputed as inaccurate and no validation process documents. A 30-day late for different months. 
Violations of Federal Law : Despite my direct disputes to both the credit bureaus Equifax and the data furnisher ( XXXX  ), the negative information remains without any proper investigation or documentation provided. This constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) Furnishers have a duty to provide accurate information.

15 U.S.C. 1681i ( a ) ( 1 ) Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If information can not be verified, it must be deleted from the credit file.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Upon re-disputation, the CRA must provide a description of the procedure used to determine the accuracy and completeness of the information. 
Dispute History : I submitted disputes to Equifax, Experian & Transunion regarding this issue multiple times in XXXX  and XXXX. 
I also sent disputes directly to XXXX requesting proper validation of the late payments. 
To date, no sufficient documentation or evidence has been provided substantiating the reported 60-day delinquency. 
The payment history remains unchanged despite the lack of verifiable evidence. 
Evidence Submitted : I have attached screenshots from my Equifax, Experian and Transunion credit report showing the inaccurate late payment being reported on multiple reporting dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). These illustrate the persistence of the derogatory mark and the failure to correct or validate the information. 
Relief Requested : I am requesting the CFPB to investigate and compel XXXX XXXX XXXX XXXX XXXX and Equifax , Experian and Transunion to : Delete the unverifiable late payment ( s ) from my credit report. 
Cease reporting inaccurate information not supported by documentation. 
Provide documentation or verification procedures used, if they claim the derogatory reporting is accurate. 
Ensure compliance with all provisions under the FCRA listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX  and XXXX  for XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC alleges that I owe {$800.00} despite having never provided me with any type of credit or provided me with any signatory documents or proof that someone perpetrating as me gained access to credit without my knowledge. I have requested documentation for use in identity theft case being investigated by XXXX XXXX on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, a flight was purchased from XXXX XXXX for {$1100.00} with confirmation number XXXX. An existing travel credit was not applied correctly, so I contacted the airline by phone to resolve the error. 

On XX/XX/year>, a XXXX XXXX representative took action to correct the booking. The representative stated that to fix the issue, they would need to cancel the original ticket and rebook it. The representative explicitly promised that the original charge of {$1100.00} would be fully refunded in cash to the original method of payment. 

Based on this promise of a monetary refund, I agreed. The representative then proceeded to : Cancel the original flight reservation, XXXX. 

Rebook the same flight under a new confirmation number, XXXX, and correctly apply the travel credit. 

Charge the fare difference of {$320.00} to my card for the new ticket.

However, the airline did not process the promised monetary refund for the original {$1100.00} charge. Instead, they converted it into a travel credit without my consent and against the explicit agreement I had with their representative. This credit was then used to cover part of the rebooked ticket. 

The cancellation and rebooking were performed solely by the airline 's agent to fix an error on their end, and on the condition that I would receive a cash refund. The airline did not handle the funds as instructed and failed to deliver the promised monetary refund. I am disputing the original {$1100.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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: GA

Complaint narrative:
I am filing this dispute regarding several accounts that were fraudulently opened in my name. I did not authorize or open the following accounts : XXXX XXXX XXXX XXXX accounts with balances of {$1100.00}, {$2700.00}, and {$2100.00} ) XXXX XXXXXXXX ( {$1300.00} ) XXXX XXXXXXXX XXXX ( {$750.00} ) XXXX XXXX XXXX ( {$20000.00} ) XXXX ( {$17000.00} ) XXXX XXXX ( {$9900.00} ) XXXX XXXX XXXX XXXX ( XXXX accounts totaling {$25000.00}, {$20000.00}, and {$4500.00} ) XXXX ( {$5000.00} ) XXXX XXXX ( {$8700.00} ) XXXX XXXX  ( {$36000.00} ) I contacted the credit bureaus by phone and was advised to file a police report to support my claim. I have complied and submitted a police report. The official case number is 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 2025-07-10 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: MI

Complaint narrative:
Equifax has violated my rights as a consumer by allegedly doing an " reinvestigation '', but not removing the FRAUDULENT accounts. A proper investigation was never done. I received an Equifax alert a year ago that my SSN was leaked in the t-mobile data breach. Equifax did not receive my written permission to furnish this FRAUDULENT account on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ) and 15 USC 1681e ( b ) Equifax is willfully violating the law, and involved in identity theft by furnishing these accounts on my consumer report. Block these accounts immediately that I have identified as identity theft!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally report that i am a victim of identity theft and credit card fraud. 
Recently i discovered that someone has used my personal information and credit card without my permission.These unauthorized actions were done without my knowledge or consent and have caused serious concern regarding my financial security and personal information. 

I am writing to dispute fraudulent information on my credit report as a result of identity theft. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit Both this account is fraudulent and was opened without my permission and used too!!!

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 2025-07-10 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: FL

Complaint narrative:
In XX/XX/year>, the vehicle associated with my auto loan was deemed a total loss. XXXX XXXX issued payment in the amount of {$7500.00} directly to XXXX XXXX XXXX XXXX XXXX to cover the remaining loan balance. I have attached official documentation from XXXX confirming both the payment and the total loss status of the vehicle. Despite receiving the insurance payment, the lender failed to update their records and instead improperly reported inaccurate information to the credit bureaus. Around the same time, XXXX XXXX XXXX XXXX XXXX sold the loan to XXXX XXXX, and during that transition, the account was sent to collections. Rather than resolving the matter with the insurance payment in mind, the account was allowed to escalate and was eventually marked as charged off, where it remains today. This sequence of events reflects a clear failure in internal processing and responsible reporting, and it has resulted in serious and ongoing harm to my credit profile. Since then, I financed another vehicle and have successfully paid it off in full, further demonstrating my responsibility as a borrower. I have made several attempts to get in contact with the lender and collection agency as well as the credit bureau obtain a full explanation and validation of the remaining balance, but no one has been able to provide documentation, a payment history, or any evidence that a balance was legitimately owed after the insurance payout. Additionally, this account is being reported with a Metro 2 inconsistency it is listed as both charged off and past due, which violates industry standards and the Fair Credit Reporting Act ( FCRA ). Once an account is charged off, it should no longer report a past due status. This dual reporting is misleading, inaccurate, and unlawful. This issue has caused me significant mental and emotional stress. This unresolved and inaccurate charge-off is now actively hurting my chances of qualifying for a home loan and damaging my credit profile. I am being penalized due to a reporting error outside of my control, and it is now directly interfering with major life goals. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief