vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: AR

Complaint narrative:
I requested the correction of inaccurate information directly from the data furnisher. One credit bureau appropriately updated the account following investigation. However, the other credit bureaus continue reporting the inaccurate information because the furnisher failed to correct and update the data across all agencies as required under FCRA 623 ( a ) ( 2 ). This violates their legal obligation to promptly correct and update incomplete or inaccurate information once they become aware of it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I paid a settlement amount of {$300.00} to Comenity as part of an agreement in which they offered to remove the negative item from my credit report upon payment. I completed the payment in full, as agreed. 

Following the payment, I noticed that the negative account remained on my credit report. I disputed the item with the credit bureaus and attempted to contact Comenity to address the issue. Despite my efforts, I received no response or resolution from the company.

This situation has caused a noticeable drop in my credit score and has led to unnecessary stress and frustration. I upheld my end of the agreement by paying the settlement in full, and I believe Comenity has failed to honor the terms of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and these reporting errors are both inaccurate and unlawful.

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 2025-08-29 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: TX

Complaint narrative:
I am the victim of identity theft. My personal information was used without my knowledge or consent, resulting in two fraudulent accounts appearing on my credit reports : 1. XXXXXXXX XXXX XXXX in the amount of {$6400.00}, allegedly tied to XXXX XXXX. 
2. XXXX XXXX XXXX in the amount of {$1300.00}, allegedly tied to XXXX XXXX XXXX. 

I never opened or authorized either of these accounts. Furthermore, I did not give permission for my personal information to be sold, traded, or bartered for monetary gain amongst these companies. Such actions may constitute violations of the Gramm-Leach-Bliley Act ( GLBA ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b permissible purposes rule ), and the Federal Trade Commission Act, Section 5, which prohibits unfair or deceptive trade practices.

These accounts are inaccurate, unverifiable, and harmful, causing financial and personal damage by restricting my access to credit, housing, and other essential services. I am requesting that these fraudulent accounts be removed from my credit records.

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 2025-09-02 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: NC

Complaint narrative:
Background : Due to my name being very simple and common, Experian and Equifax have been having all sorts of other people 's information added to my account. Including but not limited to credit card information, names, addresses, and hard pulls. I raised multiple disputes with Experian and Equifax already. Here, I listed my problems with Experian and Equifax separately. 

Problems with Experian : XX/XX/2025 : A hard pull showed up on my Experian account, from XXXX  XXXX XXXX. I immediately suspected identity theft and fraud. Therefore I tried to contact Experian as soon as possible but they said to contact XXXX  XXXX XXXX first. Then, I contacted XXXX  XXXX XXXX regarding the issue, which XXXX  XXXX XXXX claimed they've flagged my account, but there's nothing else they could do before an account is added. 

XX/XX/2025 : I waited patiently and monitored my Experian account closely. On this day, I received another notification saying a XXXX XXXX XXXX credit card has been added to my account. Unfortunately XX/XX/2025 is XXXX XXXX, so I couldn't reach anyone. 

XX/XX/2025 : I called XXXX  XXXX XXXX first at XXXX as Experian opens at XXXX. XXXX  XXXX XXXX fraud department said they couldn't locate this account using my social security number, my name, or my address. They've submitted a claim to find and close that account, but I received no email about the claim. I then called Experian at XXXX. Their fraud department said they disputed all of my wrong names except one, as that one is connected to a XXXX  XXXX XXXX account. I asked them to dispute the hard pull & credit card as well, and they said it's under dispute but I received no email notification about any of the disputes. Experian asked me to go back to XXXX  XXXX XXXX, so I asked them for a credit card account number, which they declined to provide. Therefore, I would like to raise it to CFPB to get this resolved. 

Problems with Equifax : I have a name " XXXX XXXX XXXX, '' and " XXXX XXXX '' added as my name, which I disputed multiple times. Equifax 's resolution is to change this name to my previously used name. However, I HAVE NOT USED THAT NAME AT ALL. I want it removed, completely! 

XX/XX/2025 : I disputed the name again. Provided my passport, my driver 's license, my XXXX, everything. They all showed my real name. There's no document where " XXXX XXXX XXXX '' is on it. With all these information, due to Equifax 's oversight and ignorance, They switched my real name to previously used, and put this " XXXX XXXX XXXX '' name again as my current name! 

XX/XX/2025 : I disputed again about this nonsense and no reply. I also found out that my husband 's name listed is also wrong. Please fix it too.

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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8800.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX 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 2025-08-29 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: CO

Complaint narrative:
I am writing to report that I am a victim of identity theft. Recently, I discovered unauthorized activity on my credit report and/or accounts that I did not initiate, authorize, or benefit from. 

The following fraudulent accounts or charges have appeared in my name : - Reporting to XXXX or all three of the following credit reporting bureaus : Transunion, Experian and Equifax - XXXX XXXX, account number beginning XXXX XXXX XXXX XXXX XXXX XXXX XXXX total balance {$45000.00} - XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX, total balance {$150.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total balance {$2100.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total balance {$1100.00} - XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX, total balance {$410.00} - appears to have been placed in collections on XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, total balance {$1400.00} - XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX, total balance {$530.00}, established XX/XX/XXXX - XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, total balance {$0.00} - closed status I did not open these accounts, authorize these transactions, or give permission for anyone to use my personal information. I am requesting that these fraudulent accounts be removed from my credit file and that I not be held responsible for any charges incurred. 

I have already submitted an identity theft report through IdentityTheft.gov. Please find attached copies of my identity theft report, government-issued ID, and any other supporting documents. 

I respectfully request that you take the necessary steps to : 1. Block or remove fraudulent information from my credit file.

2. Confirm in writing that these fraudulent accounts have been deleted or corrected.

3. Ensure that no further collection activity is pursued against me for debts I did not incur. 

Thank you for your prompt assistance in helping me resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to report that I am a victim of identity theft. Recently, I discovered unauthorized activity on my credit report and/or accounts that I did not initiate, authorize, or benefit from. 

The following fraudulent accounts or charges have appeared in my name : - Reporting to XXXX or all three of the following credit reporting bureaus : Transunion, Experian and Equifax - XXXX XXXX, account number beginning XXXX XXXX XXXX XXXX XXXX XXXX XXXX total balance {$45000.00} - XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX, total balance {$150.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total balance {$2100.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total balance {$1100.00} - XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX, total balance {$410.00} - appears to have been placed in collections on XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, total balance {$1400.00} - XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX, total balance {$530.00}, established XX/XX/XXXX - XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, total balance {$0.00} - closed status I did not open these accounts, authorize these transactions, or give permission for anyone to use my personal information. I am requesting that these fraudulent accounts be removed from my credit file and that I not be held responsible for any charges incurred. 

I have already submitted an identity theft report through IdentityTheft.gov. Please find attached copies of my identity theft report, government-issued ID, and any other supporting documents. 

I respectfully request that you take the necessary steps to : 1. Block or remove fraudulent information from my credit file.

2. Confirm in writing that these fraudulent accounts have been deleted or corrected.

3. Ensure that no further collection activity is pursued against me for debts I did not incur. 

Thank you for your prompt assistance in helping me resolve 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NJ

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
Consumer complaint received 2025-08-29 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: NJ

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 response to consumer: Closed with non-monetary relief