vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AZ

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make.

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-05-29 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 as proof from the XXXX 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 2025-05-29 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: NV

Complaint narrative:
This serves as a formal dispute and demand for the immediate deletion of erroneous, inaccurate, or potentially fraudulent student loan accounts from my credit file. I am asserting my rights under federal law to have these inaccurate entries investigated and removed, as they are causing serious harm to my credit profile and were not authorized by me.

I have reason to believe that these loans were either fraudulently obtained, incorrectly reported, or unlawfully maintained on my credit report. These accounts have also been reported to the Federal Trade Commission ( FTC ) under Report Number : [ Insert FTC Report Number ].

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute information in my credit file that I believe is inaccurate or incomplete. The credit bureau must conduct a reasonable reinvestigation within 30 days.

Per 15 U.S.C. 1681s-2 ( b ), the furnisher of the disputed account ( loan servicer or collection agency ) is also required to investigate and correct inaccurate information.

If the investigation reveals the information is inaccurate, incomplete, or can not be verified, it must be promptly deleted or corrected. ( 1681i ( a ) ( 5 ) ( A ) ) If any debt collector is attempting to collect on these loans, under 15 U.S.C. 1692g, I have the right to request debt validation within 30 days of being contacted.

Under 15 U.S.C. 1692e, it is illegal for any debt collector to use false, deceptive, or misleading representation in connection with the collection of any debtincluding falsely reporting debts to credit bureaus.

According to 20 U.S.C. 1080a, student loan servicers must maintain accurate records and must not report loans that are in dispute without clearly noting their disputed status. 
If the loans were XXXX ( via bankruptcy, XXXX, closed school discharge, or other legal remedy ), they must not be reported as active defaults or collections. 
If these loans were obtained fraudulently using my identity, it may also be a violation of this act. I have already submitted an FTC Identity Theft Report as required under this statute.

1. Immediately delete all inaccurate student loan accounts from my credit profile.

2. Notify all furnishers ( loan servicers or debt collectors ) of this dispute, as required under FCRA.

3. Provide me with the results of your reinvestigation and a free updated copy of my credit report under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

Disputed Accounts 1. XX/XX/XXXX 2. XX/XX/XXXXXXXX 3.XX/XX/XXXXXXXX 4. XX/XX/XXXXPlease consider this as a formal warning. Failure to remove unverifiable, inaccurate, or fraudulent accounts within the statutory 30-day period may result in further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and, if necessary, civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Throughout the duration of my account ( Kia Finance America ), I have requested updates on numerous occasions, and all other related account information. They have consistently avoided responding to my request ( s ).

For example : On XXXX XXXXXX/XX/year>2025, The contact person treated me disrespectfully, and harassed my thorough the process. Forcing me to end the conversation.

The following Monday I contacted Kia Finance America The representative stated that I had not made a payment since XX/XX/year>2025. But in fact I had made a payment, that obviously was not credited to my account. My bank statement indicated that I in fact, did make a payment in the amount of {$440.00} ( via my XXXX XXXX XXXXXXXX Account ). 

They insisted I did not make a payment since XX/XX/year>2025. At that point, I the contact person said " Your automobile was now in the process of repossession ''. At that point, I felt threatened by the aggressive manner in which the representation was speaking to me. 

As as result of that experience, I am now intimidated by Kia Finance America. I requested an audit of my account, and yet to receive the information. 

They had refused to cooperate with me ( an account holder ) whenever I contacted them.

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 2025-05-29 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a call from a number on XX/XX/year>2025 that matched with a Chase branch location as well as their caller ID. Over the phone I was told that there had been fraudulent charges on my account and they wanted to confirm that it was me making those charges. I said that those charges were not made by me, and was prompted by the " fraud department employee '' to move my funds into a more secure Chase account. I was then given a case number which I was told to input into XXXX and to send {$2000.00}. I was told that a lock was placed on my account, which I confirmed by trying to log into my Chase account but was told that my account was locked, and no money would be taken out of my account. After that transaction was completed I was then instructed to use XXXX XXXX as a means of moving the rest of my money into a " secure account ''. This ultimately did not work so I was then instructed to go to a local Chase bank, but not the one I usually go to as I was told there was fraudulent activity occurring at that branch, and take out {$2000.00} to then deposit into my new " account '' in which they provided me with a barcode for. I was then told to go to XXXX , where they had said that they were currently cooperating in this investigation, and to deposit the money at XXXX into the account in which they provided the barcode for. I was then told I would receive a call the following day with my new account details, to which I never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$63.00} 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 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 2025-05-29 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove account from my report as they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX- XX/XX/scrub>/2025 XXXX XXXXXX/XX/scrub>/2025 XXXX XXXXXXXX XXXX/XXXX/2025

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 2025-05-29 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-29 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: TX

Complaint narrative:
Request for Credit Reporting Correction Under XXXX Relief Dear Consumer Finance, I am writing to formally dispute and request a correction to the reporting of my XXXX XXXX account under the XXXX debt relief provisions. 

I am currently enrolled in the XXXX emergency relief for XXXX XXXX XXXX, which includes administrative forbearance and a pause on payments, with no negative credit reporting during the relief period. However, my credit report currently shows my XXXX XXXX as over 90 days past due, which is inaccurate under the terms of the relief plan. 

I respectfully request that the status of my account be updated to reflect a current or paid as agreed status for the affected months, consistent with federal guidelines during the relief period. I am not requesting deletion of any historyonly that the inaccurate delinquency be corrected to reflect the protections provided under the CARES Act and subsequent extensions.

Please confirm receipt of this request and inform me of any additional documentation needed to process this correction. I appreciate your prompt 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 non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Request for Credit Reporting Correction Under XXXX Relief Dear Consumer Finance, I am writing to formally dispute and request a correction to the reporting of my XXXX XXXX  account under the XXXX debt relief provisions. 

I am currently enrolled in the XXXX emergency relief for XXXX XXXX XXXX, which includes administrative forbearance and a pause on payments, with no negative credit reporting during the relief period. However, my credit report currently shows my XXXX XXXX as over 90 days past due, which is inaccurate under the terms of the relief plan. 

I respectfully request that the status of my account be updated to reflect a current or paid as agreed status for the affected months, consistent with federal guidelines during the relief period. I am not requesting deletion of any historyonly that the inaccurate delinquency be corrected to reflect the protections provided under the CARES Act and subsequent extensions.

Please confirm receipt of this request and inform me of any additional documentation needed to process this correction. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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