vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: NY

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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} 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, 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 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you to dispute a fraudulent account listed under my name. I have never applied for, authorized, or engaged with this account. Its inclusion in my credit file is inaccurate, misleading, and harming my creditworthiness.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: WA

Complaint narrative:
I am writing to report identity theft that has resulted in several unauthorized accounts and inquiries appearing on my credit report. I did not open or authorize any of the following accounts or inquiries, and they have negatively affected my credit standing. 

Unauthorized Accounts : XXXX XXXX XXXX XXXX An unsecured loan opened on XX/XX/XXXX, with a current balance of {$6000.00} and {$710.00} past due. There are XXXX late payments reported on this account. I have never applied for or used this account. 

XXXXXXXX XXXX XXXX XXXX XXXX credit card account opened on XX/XX/XXXX, now closed, with a balance of {$2700.00} and {$320.00} past due. There are XXXX late payments reported on this account. I did not authorize this account either. 

Unauthorized Inquiries : The following hard inquiries were made without my permission between XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX have taken steps to secure my identity and have reported this identity theft to the relevant authorities. I request that these fraudulent accounts and inquiries be investigated and removed from my credit report immediately. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: WA

Complaint narrative:
I am writing to report identity theft that has resulted in several unauthorized accounts and inquiries appearing on my credit report. I did not open or authorize any of the following accounts or inquiries, and they have negatively affected my credit standing. 

Unauthorized Accounts : XXXX XXXX XXXX XXXX An unsecured loan opened on XX/XX/XXXX, with a current balance of {$6000.00} and {$710.00} past due. There are XXXX late payments reported on this account. I have never applied for or used this account. 

XXXXXXXX XXXX XXXX XXXX XXXX credit card account opened on XX/XX/XXXX, now closed, with a balance of {$2700.00} and {$320.00} past due. There are XXXX late payments reported on this account. I did not authorize this account either. 

Unauthorized Inquiries : The following hard inquiries were made without my permission between XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX have taken steps to secure my identity and have reported this identity theft to the relevant authorities. I request that these fraudulent accounts and inquiries be investigated and removed from my credit report immediately. 

Thank you for your attention to this serious 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 non-monetary relief
Consumer complaint received 2025-08-18 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:
The credit report contains false late payments, collection accounts, hard inquiries, and inaccurate personal information. All entries are unverifiable and damaging. I demand immediate deletion under FCRA, FDCPA, and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: 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 : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
My mortgage was purchased by another entity ( portfolio services ) from HSBC paid in full. However HSBC never closed out the loan leaving it to show up as unsatisfied. I can not refinance with it showing this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. Fraudsters opened multiple accounts in my name without my knowledge or consent.

I discovered this when reviewing my credit reports and immediately took action to protect myself.

I filed police reports and obtained my Identity Theft Report as required under federal law. I then submitted this documentation along with supporting evidence to all three major credit reporting agencies Experian, TransUnion, and Equifax - demanding removal of all fraudulent information under 15 U.S.C. 1681c-2.

The Problem : Despite providing legally compliant Identity Theft Reports and supporting documentation, these companies are refusing to fully comply with federal law. Here 's what each company is doing wrong : Experian has completely ignored my identity theft claims and continues reporting fraudulent accounts, hard inquiries, and payment history.

They have not removed a single fraudulent item despite clear evidence and multiple complaints.

TransUnion made partial deletions but continues to report several fraudulent accounts as " closed '' - which still damages my credit and violates the law. Fraudulent accounts should be completely deleted, not just marked as closed.

Equifax also made partial deletions but like TransUnion, continues showing fraudulent accounts as " closed '' instead of completely removing them as required by law.

What the law requires : Under 15 U.S.C. 1681c-2 ( a ), credit reporting agencies MUST block fraudulent information within 4 business days of receiving an Identity Theft Report.

They can not report ANY trace of fraudulent accounts - not as open, not as closed, not at all.

Under 15 U.S.C. 1681i ( a ), they must conduct reasonable reinvestigation and delete inaccurate information within 30 days.

Under 15 U.S.C. 1681e ( b ), they must maintain maximum possible accuracy in credit reports.

Previous complaint history : I have filed multiple complaints with the CFPB about this ongoing violation : Experian : Complaint # XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Complaint # XXXX XXXX XXXX Equifax : Complaint # XXXX XXXX XXXX XXXX XXXX Despite these complaints, the violations continue. The companies either ignore the complaints or send form responses claiming they " investigated '' while changing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. Fraudsters opened multiple accounts in my name without my knowledge or consent.

I discovered this when reviewing my credit reports and immediately took action to protect myself.

I filed police reports and obtained my Identity Theft Report as required under federal law. I then submitted this documentation along with supporting evidence to all three major credit reporting agencies Experian, TransUnion, and Equifax - demanding removal of all fraudulent information under 15 U.S.C. 1681c-2.

The Problem : Despite providing legally compliant Identity Theft Reports and supporting documentation, these companies are refusing to fully comply with federal law. Here 's what each company is doing wrong : Experian has completely ignored my identity theft claims and continues reporting fraudulent accounts, hard inquiries, and payment history.

They have not removed a single fraudulent item despite clear evidence and multiple complaints.

TransUnion made partial deletions but continues to report several fraudulent accounts as " closed '' - which still damages my credit and violates the law. Fraudulent accounts should be completely deleted, not just marked as closed.

Equifax also made partial deletions but like TransUnion, continues showing fraudulent accounts as " closed '' instead of completely removing them as required by law.

What the law requires : Under 15 U.S.C. 1681c-2 ( a ), credit reporting agencies MUST block fraudulent information within 4 business days of receiving an Identity Theft Report.

They can not report ANY trace of fraudulent accounts - not as open, not as closed, not at all.

Under 15 U.S.C. 1681i ( a ), they must conduct reasonable reinvestigation and delete inaccurate information within 30 days.

Under 15 U.S.C. 1681e ( b ), they must maintain maximum possible accuracy in credit reports.

Previous complaint history : I have filed multiple complaints with the CFPB about this ongoing violation : Experian : Complaint # XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : Complaint # XXXX XXXX XXXX Equifax : Complaint # XXXX XXXX XXXX XXXX XXXX Despite these complaints, the violations continue. The companies either ignore the complaints or send form responses claiming they " investigated '' while changing nothing.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Based on my ongoing experience with XXXX, it has become clear that they intentionally take actions to cause late payments, thereby charging late fees as part of their business model. 

They continue to report XXXX XXXX late payments on my credit, despite providing an email acknowledging their mistake and agreeing to correct the error and refund the late fees, which they've failed to do. 

I've enclosed a copy of the email and the scheduled Auto Pays that XXXX did not draft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Formal Complaint Against Experian, Equifax, and TransUnion for FCRA Violations Inaccurate Reporting of Bankruptcy-Included Accounts To Whom It May Concern, I am filing this formal complaint against all three major credit reporting agenciesExperian, Equifax, and TransUnionfor violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and incomplete reporting of multiple accounts that were included in a XXXX XXXX  Bankruptcy ( Reference XXXX XXXX XXXXXXXX ). 

Despite being included in bankruptcy, the following accounts are still being reported as open or incorrectly rated, which is both inaccurate and misleading : XXXX. XXXX Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active XXXX XXXX XXXX XXXX  Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active XXXX. XXXX XXXX XXXX Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active XXXX XXXX XXXX  Account Number : XXXX Should be deleted Included in Bankruptcy Still inaccurately reported as open or active These reporting errors constitute violations of 15 U.S.C. 1681i ( a ) ( 5 ), which states that : " If, after reinvestigation 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 promptly delete that item of information from the file of the consumer ... '' Additionally, the continued inclusion of this misleading information without proper verification or correction is a violation of my privacy rights under 15 U.S.C. 1681 ( a ) ( 4 ), which states that consumer reporting practices must be conducted in a manner that respects the consumer 's right to privacy and accuracy.

I have already submitted disputes to all three credit bureaus and have not received appropriate resolutions or corrections as required by law. Their failure to comply within the 30-day period, and failure to remove or correct unverifiable and inaccurate information, constitutes noncompliance with federal law.

Request for Relief : I respectfully request the CFPB to investigate this matter and compel Experian, Equifax, and TransUnion to : Immediately delete the above-referenced accounts Ensure that these accounts are no longer reported inaccurately ; Provide documentation of their investigation and resolution ; Take any additional enforcement action as deemed necessary for FCRA violations.

Thank you for your attention to this matter. I am available to provide supporting documents such as bankruptcy court records, dispute letters, and credit reports upon request.

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 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MO

Complaint narrative:
The Date Opened is listed as XX/XX/XXXX. 
The Status is being updated as of XX/XX/XXXX, which makes it appear newer than it really is. 
By law, a collection account can only remain for 7 years from the date of first delinquency ( DOFD ) with the original creditor ( XXXX XXXX ), not from when the debt was sold or updated. 
By updating or changing the status to XXXX, IC System and XXXX are making it seem like the 7-year clock restarted. This practice is called re-aging and is illegal.

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 2025-08-18 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: CA

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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report I noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief