vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is being submitted to demand the immediate and permanent removal of all fraudulent, inaccurate, and unauthorized information appearing on my consumer credit report maintained by Experian, in full compliance with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are hereby legally obligated to block all disputed information within four ( 4 ) business days of receiving this complaint, as mandated by federal law. Failure to do so constitutes a direct violation of the Fair Credit Reporting Act and may result in legal action and regulatory penalties. I am filing this to report 5 fraudulent accounts that are unlawfully appearing on my consumer FICO credit report. These accounts were not opened or authorized by me and are the direct result of identity theft.

The following accounts and collections were fraudulently created without my knowledge, authorization, or consent, and are the result of identity theft : Fraudulent student loan - Dept of Education XXXX, opened XX/XX/XXXX, ( XXXX ), balance of {$1700.00}. 
Fraudulent student loan Dept of Education XXXX opened XX/XX/XXXX ( XXXX ) - balance of {$3700.00}. 
Fraudulent personal loan XXXX XXXX  opened XX/XX/XXXX ( XXXX ) balance of - {$6200.00} Fraudulent personal loan XXXX XXXX XXXX  XXXX opened XXXX, XXXX, balance of {$2700.00} ( XXXX ) Fraudulent personal loan - XXXX XXXX - opened XX/XX/XXXX, ( XXXX ) balance of {$300.00} These fraudulent accounts have also triggered multiple unauthorized hard inquiries and caused severe and unjustified damage to my consumer XXXX credit score. 

To support this demand, I have attached the following documentation : A full copy of my Experian consumer credit report showing the disputed items A list of all fraudulent hard inquiries tied to these unauthorized accounts An official FTC Identity Theft Report ( XXXX ), filed with the XXXX Federal Trade Commission, verifying the above items as confirmed identity theft, also my government issued ID. 

Let this serve as formal notice that I did not open, authorize, or initiate any of the above accounts, collections, or inquiries. They are 100 % fraudulent, and your continued reporting of these items violates federal law.

I demand that Experian permanently block all referenced items within 4 business days, as required under FCRA 605B. You are also prohibited from re-inserting any of these items into my report unless all legal reinsertion procedures, including written notice, are strictly followed under FCRA 611 ( a ) ( 5 ) ( B ).

Failure to comply will result in immediate escalation through legal channels, including litigation and additional federal complaints.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I never approved these inquiries, and they appear to be fraudulent. Im requesting immediate review and removal. Please see the attached documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I found an inaccurate negative items on my credit report. I contacted the furnisher. received no verifiable response and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. 
The negative items I am referring to are addresses that are not valid and my employment, the only address is as follows and my only employment is XXXX XXXX XXXX which I started my employment there XX/XX/XXXX of XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI. XXXX

Company response to consumer: Closed with non-monetary relief
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I found an inaccurate negative items on my credit report. I contacted the furnisher. received no verifiable response and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. 
The negative items I am referring to are addresses that are not valid and my employment, the only address is as follows and my only employment is XXXX XXXX XXXX which I started my employment there XX/XX/XXXX of XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI. 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 2025-07-11 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : 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 2025-07-11 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint as a victim of identity theft and to request your assistance in resolving several issues that have resulted from this crime. 

Recently, I discovered that unauthorized accounts and/or fraudulent debts have been opened and reported in my name without my knowledge or consent. I have taken the appropriate steps under the Fair Credit Reporting Act ( FCRA ), including : Filing a police report Submitting an identity theft report to the Federal Trade Commission ( FTC ) Notifying the credit reporting agencies and requesting a block under FCRA 605B ( 15 U.S.C. 1681c-2 ) Contacting the original creditors and/or debt collectors to dispute the fraudulent accounts Despite these efforts, some of the fraudulent information remains on my credit report or I have received inadequate responses from the credit bureaus or creditors. This ongoing issue is causing harm to my credit profile and financial well-being. 

I respectfully request that the CFPB investigate the following : The failure of the credit reporting agencies to block or remove fraudulent data within the required timeframe The continued reporting of fraudulent accounts or late payments after proper documentation has been submitted Any noncompliance by creditors or collection agencies in responding to identity theft disputes Enclosed/Attached are the following supporting documents : FTC Identity Theft Report Police Report ( if applicable ) Copies of dispute letters to credit bureaus and creditors Credit report excerpts showing fraudulent entries Any other relevant correspondence I would greatly appreciate your review of this matter and any assistance you can provide in enforcing my rights under federal consumer protection laws. 

Thank you for your time and 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 explanation
Consumer complaint received 2025-07-11 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: CA

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 : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-11 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: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: 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: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-11 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that i have disputed

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that i have disputed

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: 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 formally disputing fraudulent accounts on my consumer report that have been linked to identity theft. I never provided written authorization, including a wet signature, for the inclusion of these accounts on my credit report. These unauthorized entries have caused significant emotional and financial XXXX  by inaccurately representing my credit history and preventing me from achieving important financial goals, including purchasing a home and meeting my family 's needs. I am requesting the immediate blocking and removal of these disputed accounts from my report, as their continued presence violates my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 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 : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had no role in opening these fraudulent accounts. In line with USC 1681g, I am formally requesting their deletion within 15 days. Relevant supporting documents are included.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FCI Lender Services Inc.
State: IL

Complaint narrative:
TO WHOM IT XXXX CONCERN, I FILED A COMPLAINT YESTERDAY REGARDING XXXX XXXX WHO WAS VERY XXXX ON HAD THE NERVE TO MAKE FUN OF ME BECAUSE OF MY STRUGGLIES INSTEAD OF HELPING ME ON XXXX. MY UNDRSTANDING IS THAT THIS COMPANY AND THE INVESTOR XXXX BE LINKED TO TAKING PEOPLES HOMES AND NOT OFFERING ASSISTANCE. I XXXX XXXX FOUND MYSELF A VICTIM OF XXXX   FROM THIS COMPANY XXXX XXXX GAVE XXXX EXAMPLE TO WHY SO MANY AMERICANS ARE LOSING THEIR HOMES. MY XXXX OR RECENT OF BANKRUPTCY DOESNT MEAN THAT SHOULD NOT HAVE A LOAN MODIFICATION ON MY LOAN THE BANKRYUPTCY ARE PUT IN PLACE TO STOP COMPANIES LIKE THIS ONE FROM TAKING YOUR PROPERTY. I NEVER WAS OFFERED ANY ASSISTANCE FROM THIS COMPANY OR SPS THE INVESTOR AND THIS COMPANIES XXXX BE OUT TO HURT CUSTOMERS LIKE MYSELF. I AM ATTACHING A LETTER FOR XXXX GOVERNMENT TO PLEASE INVESTIGATE THIS ISSUES XXXX HAVING. I QUALIFY FOR SOMETHING BECAUSE OF MY XXXX AND THE FLAGS IN MY YARD DISQUALIFIES ME OFF TOP WITHOUT REVIEWING MY LOAN AND XXXX XXXX EMPLOYED WITH BANKSTATEMENTS WORKING WITH A XXXX  XXXX XXXX VERBALLY ATTACKED ME BECAUSE OF THE WAY I WORK AND ETC AGAIN AT LEAST I GOT A JOB. I DONT TRUST THIS XXXX  COMPANY PLEASE TELL ME IF THEIR IS A SELL DATE I WAS AUTOMATICALY DENIED ASSISTANCE AND THEY AR DRAGGING OUT TO HURT ME AND TAKE MY HOME.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC
State: OH

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
IIn XXXX or XX/XX/XXXX, I was living in an apartment in XXXX, Florida. During this time, I lost my job due to the COVID-19 pandemic and also XXXX XXXX XXXX. I was unable to pay rent and was under extreme hardship. Instead of pursuing a formal court eviction, my landlord encouraged me to vacate the property. Feeling pressured and without knowledge of my rights, I left the apartment. 

At that time, both Florida Executive Order 20-94 and the federal CARES Act were in effect, prohibiting evictions for non-payment of rent due to COVID-related hardship. I believe I would have qualified for these protections, but I was not given the opportunity to stay or access support. 

More than XXXX years later, in XX/XX/XXXX, a collection or eviction record related to that situation was reported on my credit. I was never notified of this in advance, and the reporting has significantly impacted my credit and housing opportunities. I believe this reporting is not only unfairly delayed, but also unlawful given the timing and circumstances of my departure.

Company response to consumer: Closed with non-monetary relief