vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: AZ

Complaint narrative:
SSXX/XX/XXXXXXXX birthday XX/XX/year> This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXXXXXX XXXX XXXX  and Experian credit reporting agency XXXX XXXXlock information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist 2 loans ( DPT EDXXXX ) these are not mine.i have copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you.said accounts were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results 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 2025-08-13 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: AZ

Complaint narrative:
SS XXXX XXXXXXXX birthday XX/XX/year> This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX Equifax, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist 2 loans ( DPT EDXXXX ) these are not mine.i have copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you.said accounts were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: AZ

Complaint narrative:
SS XXXX XXXXXXXX birthday XX/XX/year> This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union , XXXX XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist 2 loans ( DPT EDXXXX ) these are not mine.i have copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you.said accounts were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results 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 2025-08-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting actXX/XX/XXXXAccount XXXX, has violated my rights 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

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 2025-08-13 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Date : XX/XX/2025 Debt Collectors Name XXXX XXXX XXXX Re : Request for Debt Validation and Purchase Agreement from TransUnion XXXX has verified that this account is unverifiable. 

Dear CFPB, I am writing to formally dispute the validity of a debt that XXXX XXXX XXXX and TransUnion is reporting on my credit report. This is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : The amount of the debt ; The name of the original creditor ; A copy of the original contract or agreement bearing my signature Proof that you are authorized to collect this debt in my state ; The complete chain of assignment or ownership of the debt. Until you provide the requested validation, I am requesting this for purchase of agreement or to delete from 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 non-monetary relief
Consumer complaint received 2025-08-13 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 writing to formally notify you that I am a confirmed victim of the 2017 Equifax data breach, which exposed the personal identifying information of over 147 million Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, 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 2025-08-13 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being.

I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-08-13 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiry on Credit Report since XX/XX/XXXX Dear CFPB, I am writing to dispute a hard inquiry on my credit report that I believe is inaccurate and/or unauthorized. Below is the inquiry in question : Creditor XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize or initiate this inquiry, nor have I applied for credit or services with this company on or around this date. Hard inquiries can negatively impact my credit score and should only be reported if I have given explicit permission. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this inquirys validity and ensure its removal from my credit report if it is found to be inaccurate or unauthorized. 

For your reference, here are other recent inquiries on my report for comparison : 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 XXXXXXXX ( XXXX XXXX, XXXX ) Finance/Personal : XXXX ( XXXX XXXX, XXXX ) Thank you for your attention to this matter. Please notify me of the outcome of your investigation and any corrective actions taken. 

Sincerely, XXXX XXXX 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 2025-08-13 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: MA

Complaint narrative:
I am writing to you as the holder of account number [ Account Number| for my credit card, auto loan, and/or mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported late payment : XXXX. XXXX XXXX Account number : XXXX XXXX XXXX Date opened : XXXX XXXX. XXXX Account Number : XXXX Date opened : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX Account XXXX : XXXX {$0.00} XX/XX/XXXX Date opened : XXXX XXXX. XXXX Account XXXX : XXXX Date opened : XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX Date opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 2025-08-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting actXX/XX/XXXXAccount XXXX, has violated my rights 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

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 2025-08-13 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:
In accordance with the Fair Credit Reporting actXX/XX/XXXXAccount XXXX, has violated my rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-08-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I dispute this late payment as it contradicts my strong history of timely payments. I request immediate removal and proper adjustment of my account.

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I filed a complaint here on CFPB three times requesting a payment history, so I can see how payments were applied to my account. The responses have said I was delinquent on my account in XX/XX/XXXX, however, I have evidence from the IRS that my XXXX income tax refund was garnished by AAFES in the amount of {$3200.00} via an XXXX dated XX/XX/XXXX with a XXXX  trace number XXXX, directed to : XXXX XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

AAFES has failed to apply these funds correctly to my account, which has effectively caused me to pay the same debt twice. And I am still receiving statements showing a balance due. This is a fraudulent request to collect money that has already been paid for stated debt. If I am able to show proof of payment, this company owes me back the additional money taken to collect a debt that has already been satisfied. 

XXXX XXXX, a representative for XXXX called to collect the same debt on XX/XX/XXXX ( which should be a copy of the recorded call in your files ). The total negotiated amount of {$3600.00} was said to satisfy both the XXXX XXXX and Take It Home credit cards in full. What happened to the XXXX that was taken in XX/XX/XXXX? How was that applied on my account? The agreement was an initial payment of {$200.00} and subsequent payments of {$100.00} directly debited on the last day of the month and the XXXX from my XXXX card ending in XXXX. I have proof that I made payments in the amount of {$3700.00} made to XXXX between XX/XX/XXXX and XX/XX/XXXX, which to my surprise, was to satisfy the same debt. 

Instead of properly crediting the garnished funds and my negotiated payments, interest has continued to accrue on what is clearly a fully satisfied debt. Additionally, XXXX response to a prior Consumer Financial Protection Bureau ( CFPB ) complaint falsely claimed that I did not uphold my arrangements therefore my account was in collections in XX/XX/XXXX. Why was there a debt when they already garnished my taxes? Why am I not receiving the info i have been requesting regarding how payment was applied and proof debt was satisfied? The only documentation submitted is a screen print showing interest accruing, but does not show how payments were allocated.

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 2025-08-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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