vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, my Social Security XXXX is XXXX, my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 consists of a mortgage account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX an auto loan account opened with XXXX XXXX on XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX XXXX a loan account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  a credit card account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a XXXX card account opened with XXXX XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a credit card account opened with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a mortgage account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  and a collection account opened with XXXX  XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-07-12 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: TX

Complaint narrative:
I was looking at my credit report and still see XXXX XXXX is on my credit report. It was a lease I turned in on the XXXX of XXXX, but XXXX couldnt find the truck for approximately XXXX weeks. The only fees I agreed to was over the mileage.

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 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A XXXX XXXX collection account for {$2000.00} has been incorrectly reported on all three of my credit reports ( TransUnion, Experian, and Equifax ) for over two years. This account is not mine and has negatively impacted my credit score during this time. 

I contacted XXXX XXXX directly, and they confirmed both over the phone and in writing via email that I have no outstanding debt with them. They also verified that the account number listed in the credit reports does not match any account associated with me. 

Despite this, I submitted formal disputes with all three credit bureaus, and each responded stating the account was verified as accurate. This directly contradicts XXXX confirmation, and the account remains on my credit reports. 

I am seeking to have this inaccurate collection account permanently removed from all three credit reports and for the bureaus to properly reflect the evidence Ive provided. Ive also attached XXXX written confirmation for reference.

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 2025-07-12 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: OH

Complaint narrative:
I am a victim of identity theft directly tied to the Equifax data breach. My personal information was compromised and used without my consent to open fraudulent accounts and generate unauthorized credit inquiries. There are incorrect names, fraudulent employment records, and unknown addresses on my credit report. My report lists inquiries and accounts I never applied for, nor gave anyone permission to initiate. 

The following credit inquiries are fraudulent and were not authorized by me : FCRA Violations Noted : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to permanently block fraudulent information upon notification and documentation.

15 U.S.C. 1681c-2 ( a ) Duty to block information resulting from identity theft within 4 business days after receiving proper proof.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681b ( f ) Obtaining or furnishing a consumer report without permissible purpose ( applies to unauthorized inquiries ).

15 U.S.C. 1681g ( a ) ( 1 ) Failure to properly disclose to the consumer the full nature and source of inquiries and tradelines.

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 2025-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The last application modification with financial documents submitted XXXX XXXX and received confirmation from Phh., and due to XX/XX/XXXX Phh closed XXXX. And start review XX/XX/XXXX XXXX. Unfortunately Phh schedule sale date XX/XX/XXXX during process modification and send notice sale date XX/XX/XXXX XXXX. Violated rule prohibit dual tracking, this not the first time Phh scheduled sale date and canceled last month, now I am in risk lose home and I call Phh some one advise me to re apply and I reapply modification XXXX XXXX with complete financial prove income affordable to pay monthly payment and moreover Additional non account holder primarily residence. Income authorize to pay toward mortgage payment, but Phh told not grant to stop or postpone sale date

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 2025-07-12 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:
My name is XXXX XXXX I have been a victim of Identity theft for over 5 years ; my information has been involved in over 2 data breach 's. I am also a veteran and am in the process of trying to purchase a home. I am just finding out about a host of fraudulent accounts that are reporting on my credit profile, and I have contacted all local authorities to report these fraudulent accounts. I am listing all accounts below so that you are aware of what is reporting fraudulently on my report. 

Credit Card Accounts 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 Additional Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX 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 2025-07-12 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-12 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: TX

Complaint narrative:
Dear Experian I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to credit bureaus XXXX, Experian, and XXXX I have included the following documents : 1. A copy of my government issued ID. 2. An Identity Theft Report from the FTC. 3. Proof of address Account name : XXXX XXXX XXXX  Account Number : XXXX Please confirm the account name, account number has been blocked and deleted within four ( 4 ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly. Thank you for your attention to this matter. Sincerely, XXXX 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I am disputing a vehicle loan account reported by Credit Acceptance Corporation. The account began in XXXX with a XXXX term, which means it should have matured and been closed by early XXXX. However, as of XXXX, this account is still being reported on my credit report as open and XXXX days late. 

I submitted formal disputes to all three credit bureaus, including XXXX which confirmed that Credit Acceptance failed to respond to their reinvestigation request. Despite this, the account has not been corrected or removed. 

This inaccurate, outdated, and unverifiable information is severely damaging my credit. The failure to respond or update this account violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ).

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
During my most recent call with Discover support, I was repeatedly placed on hold mid-sentence while attempting to explain my casedemonstrating a complete lack of professionalism and a refusal to even hear the issue, let alone resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-12 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:
My name is XXXX XXXX I have been a victim of Identity theft for over 5 years ; my information has been involved in over 2 data breach 's. I am also a veteran and am in the process of trying to purchase a home. I am just finding out about a host of fraudulent accounts that are reporting on my credit profile, and I have contacted all local authorities to report these fraudulent accounts. I am listing all accounts below so that you are aware of what is reporting fraudulently on my report. 

Credit Card Accounts 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 Additional Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-12 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:
My name is XXXX XXXX I have been a victim of Identity theft for over 5 years ; my information has been involved in over 2 data breach 's. I am also a veteran and am in the process of trying to purchase a home. I am just finding out about a host of fraudulent accounts that are reporting on my credit profile, and I have contacted all local authorities to report these fraudulent accounts. I am listing all accounts below so that you are aware of what is reporting fraudulently on my report. 

Credit Card Accounts 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 Additional Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-12 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a hard inquiry from Navy Federal Credit Union dated [ XX/XX/year>. I did not authorize this inquiry and have no recollection of applying for credit with Navy Federal. I have never initiated any request for a credit card, loan, or any other financial products with this institution.

I contacted Navy Federal to dispute the inquiry, but they were unable to provide me with any documentation or proof of my authorization for this inquiry. Given that I did not consent to this credit check, I believe this inquiry is unauthorized and should be removed from my credit report.

As a result, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist me in resolving this issue and ensure that the unauthorized inquiry is promptly investigated and removed from my credit file with the credit bureaus (XX/XX/XXXX.

Steps Taken So Far : Contacted Navy Federal Credit Union directly and disputed the inquiry.

Requested documentation or proof of authorization from Navy Federal, but received no response or adequate verification.

I am seeking assistance in having this hard inquiry removed from my credit report, as it is negatively affecting my credit score and creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation