vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a confirmed victim of identity theft due to the Equifax data breach, where my personal information was compromised. Fraudulent accounts and inquiries have since appeared on my credit report without my authorization. I submitted a formal dispute with all required documents under the Fair Credit Reporting Act ( FCRA ) Section 605B, including proof of identity theft and confirmation from Equifax that my information was impacted. Per FCRA 605B, the credit bureaus are legally required to block and delete all information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. This law mandates immediate action. I am requesting the immediate deletion of these fraudulent accounts and inquiries. Failure to comply will result in legal escalation and enforcement under FCRA 616 & 617 for damages due to willful noncompliance.

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 2025-06-18 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: IL

Complaint narrative:
I am a confirmed victim of identity theft due to the Equifax data breach, where my personal information was compromised. Fraudulent accounts and inquiries have since appeared on my credit report without my authorization. I submitted a formal dispute with all required documents under the Fair Credit Reporting Act ( FCRA ) Section 605B, including proof of identity theft and confirmation from Equifax that my information was impacted. Per FCRA 605B, the credit bureaus are legally required to block and delete all information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. This law mandates immediate action. I am requesting the immediate deletion of these fraudulent accounts and inquiries. Failure to comply will result in legal escalation and enforcement under FCRA 616 & 617 for damages due to willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CBC Companies, Inc.
State: NM

Complaint narrative:
I am requesting the immediate freezing of my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I have tried everyway possible including showing proof that My identity and personal information has been breached by a data leak and that there are many accounts mostly negative on my credit profile that is causing major harm to my credit score as well as my credit profile. It has gotten so bad that there are constantly inquiries being made on my account as well as credit cards with small credit amounts being opened under my name, sometimes they are declined and sometimes they are given very small amounts of credit, like I mentioned I show proof that my personal information such as my Social Security number name, date of birth address and other personal things have been leaked by not just a Pharmacy but also one of the credit bureaus itself sent me a letter saying that they believe my personal information had been leaked because they had a data breach and in return all they gave me was a one year free membership to check my credit report but now that my credit has been used by XXXX knows who and my score is absolutely horrible not because of my own doing even though I disputed everything several times in writing as well as online they never seem to do anything sometimes they dont even respond

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 2025-06-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried everyway possible including showing proof that My identity and personal information has been breached by a data leak and that there are many accounts mostly negative on my credit profile that is causing major harm to my credit score as well as my credit profile. It has gotten so bad that there are constantly inquiries being made on my account as well as credit cards with small credit amounts being opened under my name, sometimes they are declined and sometimes they are given very small amounts of credit, like I mentioned I show proof that my personal information such as my Social Security number name, date of birth address and other personal things have been leaked by not just a Pharmacy but also one of the credit bureaus itself sent me a letter saying that they believe my personal information had been leaked because they had a data breach and in return all they gave me was a one year free membership to check my credit report but now that my credit has been used by XXXX knows who and my score is absolutely horrible not because of my own doing even though I disputed everything several times in writing as well as online they never seem to do anything sometimes they dont even respond

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 2025-06-18 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : XXXX. Conduct a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
I am disputing an alleged charge-off being reported by XXXX XXXX XXXX XXXX XXXX ( WFBNA ) under account # XXXX with a reported balance of {$3100.00}. I have no record or memory of ever opening a credit card account with XXXX XXXX. I have never received any contract, billing statements, or notice of delinquency or charge-off related to this account. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), furnishers are required to report only maximum possible accuracy. Failing to properly verify and report such an account particularly XXXX I do not recognize constitutes a material misrepresentation of my credit history. 

XXXX XXXX, as the furnisher of this data, also has a legal obligation under FCRA XXXX ( b ) to conduct a reasonable investigation after receiving a consumer dispute. If they can not provide a signed original contract, itemized transaction history, or proof of assignment and notification, they are violating their statutory duty. 

Additionally, FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits any person from furnishing inaccurate information knowingly or without reasonable procedures to assure accuracy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ), I am entitled to validation of the debt, including a clear statement of the original creditor, amount owed, and proof of the debts existence. No such documentation has been provided. 

Continued reporting without verification violates federal law, and past case law supports this position : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) Verification must be meaningful, not just internal notes or summaries. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) A reasonable investigation under FCRA requires more than passive confirmation from the furnisher. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) FCRA requires accuracy and reasonable reinvestigation. 

XXXX has not fulfilled these requirements and is therefore in noncompliance with FCRA XXXX ( b ), XXXX ( b ), and XXXX ( a ). Reporting a potentially inaccurate, unverified charge-off is actively harming my credit profile and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
There is a discrepancy on my report involving a hard inquiry I did not authorize. I request its immediate removal to maintain the integrity of my credit profile.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
My other living brother XXXX has an attorney and petitions to be executor. XXXX XXXX said XXXX estate is {$75000.00}. I have a power of attorney for my mother XXXX XXXX. USAA sent my deceased mother about XXXX passing away. I sent in XXXX XXXX behalf. Yet some how this attorney for my other living brother was able to find out XXXX had {$75000.00}. And he didnt have any executor papers. ( Yes I was told the money would be sent to me ) Now I believe this lawyer of my other living brother XXXX XXXX has managed to to get a hold of this {$75000.00}. 

Usaa is being unfair to me. Why did USAA allow my other living brother XXXX to have this money but deny sending it to me.

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 2025-06-18 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
I am disputing a charge-off account being reported by XXXX XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$2100.00}. I do not recall ever applying for or using a credit card with XXXX XXXX  tied to this account. I have not received any signed contract, billing statements, or written notification of delinquency or charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), XXXX XXXX  is required to ensure all information it furnishes to the credit reporting agencies is complete and accurate, to the maximum possible accuracy. The absence of documentation and lack of transparency makes this account both unverified and potentially inaccurate.

Additionally, under FCRA 1681s-2 ( b ), Comenity has a duty to conduct a reasonable investigation upon receiving a consumer dispute. I have received no meaningful response, validation, or clarification to date. This also violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits knowingly reporting inaccurate or unverifiable information.

Per FDCPA 809 ( a ), I am entitled to debt validation, which includes : A copy of the original signed agreement or application, A complete billing history, and Documentation proving this debt belongs to me and that I was properly notified.

Comenity has not provided any of the above. They continue to report a charge-off status with a balance that I can not verify. I believe this is a material misrepresentation and a violation of both the FDCPA and FCRA.

Supporting case law includes : Chaudhry v. Gallerizzo, 174 F.3d 394 ( 4th Cir. 1999 ) Courts require more than internal notes for verification.

Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ) Furnishers must conduct meaningful, independent investigations.

Dennis v. BEH-1, 520 F.3d 1066 ( 9th Cir. 2008 ) Failure to correct inaccurate information is a violation.

This unvalidated tradeline is negatively impacting my credit profile, access to financing, and quality of life. I request immediate regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: TN

Complaint narrative:
I am filing a complaint against MOHELA and/or XXXX for XXXX and unverifiable student loan reporting. My credit report shows multiple loans with ND ( no data ), outdated balances, and closed/transferred status that still impact my score. These companies were involved in a XX/XX/2023 data breach, and I have not received proof that my loans were unaffected or that their reporting is accurate. 



I have disputed these with all three credit bureaus and directly with MOHELA/XXXX  XXXX requesting validation under the FCRA and FDCPA. They have failed to respond with legally sufficient proof. These accounts should be deleted from my credit report if they can not be verified. 



I am requesting the CFPB investigate this matter and demand these agencies provide proof or remove the tradelines.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates failed to provide proof of delinquency for the account ending up with... XXXX. I am disputing the delinquency on my credit report because it should have been removed after XXXX years from the date of the first missed payment. Please provide the date of the first missed payment, and then delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Westlake Services, LLC
State: CO

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and unauthorized information reported on my credit file and the ongoing failure by XXXX to properly investigate my disputes. 

Recently, I discovered two serious issues on my XXXX XXXXredit report : 1. A charge/account from XXXX that I did not open or authorize. 
2. Inaccurate payment history being reported by Westlake Financial Services, which does not reflect the actual amounts or timeline of payments Ive made. 

I immediately disputed both of these items with XXXX through their online dispute system, clearly explaining that the XXXX account was unauthorized and that the Westlake Financial information was incorrect. 

To my shock and concern, XXXX responded within approximately one hour stating that their investigations were completed and that both items would remain on my report. Given the speed of the response and lack of follow-up or requests for supporting documents, it is evident that no reasonable investigation was conducted. 

This is not an isolated incident. Every time Ive submitted a dispute through XXXX regardless of the documentation or explanation I provide, they respond quickly with a generic decision and uphold the reportingwithout demonstrating any effort to verify or correct the information. 

XXXX repeated failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) has left me with inaccurate, harmful information on my credit report that affects my financial well-being. I believe my rights as a consumer have been violated, and I am requesting immediate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CO

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and unauthorized information reported on my credit file and the ongoing failure by Experian to properly investigate my disputes. 

Recently, I discovered two serious issues on my Experian credit report : 1. A charge/account from XXXX that I did not open or authorize. 
2. Inaccurate payment history being reported by XXXX XXXX XXXX, which does not reflect the actual amounts or timeline of payments Ive made. 

I immediately disputed both of these items with Experian through their online dispute system, clearly explaining that the XXXX account was unauthorized and that the XXXX XXXX information was incorrect.

To my shock and concern, Experian responded within approximately one hour stating that their investigations were completed and that both items would remain on my report. Given the speed of the response and lack of follow-up or requests for supporting documents, it is evident that no reasonable investigation was conducted. 

This is not an isolated incident. Every time Ive submitted a dispute through Experian, regardless of the documentation or explanation I provide, they respond quickly with a generic decision and uphold the reportingwithout demonstrating any effort to verify or correct the information. 

Experians repeated failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) has left me with inaccurate, harmful information on my credit report that affects my financial well-being. I believe my rights as a consumer have been violated, and I am requesting immediate assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation