vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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 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

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 2025-09-11 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: AZ

Complaint narrative:
I am submitting this complaint against Experian regarding multiple inaccuracies and suspicious accounts appearing on my credit report. 



Experian is reporting : Multiple names that are not mine. I have XXXX name XXXX XXXX any others needs to be REMOVED Multiple addresses that do not belong to me. I've sent over my state ID multiple times a long with FTC report my addresses hasn't been updated Suspicious accounts I do not recognize, including : XXXX XXXX  accounts reportedly opened in XX/XX/year>. 
An account with XXXX XXXX XXXX XXXX. 





These accounts and personal information entries are not mine. I believe they are the result of identity theft and/or inaccurate reporting. My personal information has been compromised in both the XXXX  data breach and the XXXX  data breach, and I have filed an FTC Identity Theft Report, which I am attaching to this complaint. I also submitted this FTC report directly to Experian today. 



Despite my efforts, Experian continues to report this inaccurate and harmful information, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 



I am requesting that the CFPB require Experian to : Immediately investigate and remove all fraudulent and inaccurate accounts from my credit file. Delete the incorrect names and addresses that do not belong to me. 
Provide me with written confirmation of the investigation results and corrections. 




This situation has caused me significant stress and potential harm to my credit standing. I am asking the CFPB to intervene and ensure Experian complies with federal law in correcting these errors. 



Thank you for your assistance. 



Sincerely, 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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX INQUIRY ACCOUNT NAME : XXXX XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE:XXXX INQUIRY ACCOUNT NAME : XXXX CO DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE XXXX XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-09-11 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: AZ

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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: GA

Complaint narrative:
Inflated Balance Reporting : Violates the Fair Credit Reporting Act if the balance doesn't reflect actual contract terms. Continued Delinquency Reporting on Closed Account : Potential FCRA and XXXX XXXX reporting error. Contractual Interest Rate ( 34 % ) vs Effective APR ( 39.18 % ) : Highly predatory and may violate XXXX usury protections, especially when combined with unnecessary insurances and hidden fees. XXXX May Be Warranted : Strong grounds to initiate arbitration based on : - Potential usury. - Deceptive fee stacking. - Inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I hereby submit a formal dispute regarding the referenced accounts. As they were neither opened nor authorized by me and appear fraudulent, I request their immediate removal and a thorough investigation. Supporting documentation is enclosed.

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 2025-09-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
They stoled my money and now are refusing to give it back. They are accumulating interest in money that don't belong to them. They they never had permission to have my XXXX  payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Greeting Team, LLC DBA Customer Care Global
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX was taken out at a later date the long company known as XXXX XXXX attempted to debit out of the account. XXXX company failed to make proper payment arrangements with me to receive a payment that I was willing to pay Blocked all communication and access to online payment center. Then the put it into collections and sold the account to Now Customer Global debt collector Have been trying to call me By texts and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX formerly known as Alaska XXXX XXXX XXXX is claiming I received a XXXX XXXX dollar XXXX signature loan from them in 2021. I have never done business with the bank XXXX Alaska nor received any loan from them or anyone else. They referred me to a collection agency known as The Best Service Co XXXX. This agency has been sending me letters demanding repayment. I assumed this was a scam since there was no such loan obtained and ignored the letters. XXXX days ago I received a subpoena from the XXXX XXXX XXXX California, XXXX XXXX, to address this issue. The case number is 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 2025-09-11 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:
To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information appearing on my credit report. Specifically, there are unauthorized inquiries and accounts that I did not apply for, open, or authorize. These items are the result of identity theft or error and must be removed immediately. 

Fraudulent Inquiries : * XXXX XXXX XXXX LL * XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX BANK * XXXX XXXX XXXX * XXXX XXXX * XXXX BANK * XXXX * XXXX XXXX XXXX Fraudulent Accounts : XXXX XXXX XXXX * XXXX XXXX Card Services * XXXX Loan XXXX * XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX have never applied for credit with these companies, nor have I authorized these inquiries or accounts. Reporting this information violates the Fair Credit Reporting Act ( FCRA ), Section XXXX, which requires consumer reporting agencies to report only accurate information. 

Fraudulent Bankruptcy : * The bankruptcy is listed as : XXXX VFP * I have never filed for bankruptcy with this case number or court. 

Under the Fair Credit Reporting Act ( FCRA ), Section XXXX and XXXX, I am requesting that you conduct a thorough investigation and remove this inaccurate bankruptcy entry from my credit file. Reporting inaccurate and fraudulent information is a violation of the FCRA, and I expect this matter to be corrected promptly. 

Accordingly, I demand that you : XXXX. Delete the fraudulent inquiries from my credit file. 
XXXX. Delete the fraudulent accounts from my credit file. 
XXXX. Provide me with the name, address, and telephone number of the entities that furnished this fraudulent information. 
XXXX. Send me a corrected copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation once these fraudulent inquiries and accounts have been removed. 
Sincerely, 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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 : INQUIRIES : XXXX XXXX L Date : XX/XX/XXXX XXXX XXXX L Date : XX/XX/XXXX XXXX XXXX L Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2025-09-11 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: TX

Complaint narrative:
b"Please remove all these items from my credit report:-\n\nADDRESSES:-\n \nXXXX XXXX XXXX XXXX XXXXTX XXXX XXXX XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX,GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX,OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMO XXXX  XXXX XXXX XXXX XXXX XXXXMO 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 XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-09-11 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:
b"Please remove all these items from my credit report:-\n\nADDRESSES:-\n \nXXXX XXXX XXXX XXXX XXXXTX XXXX XXXX XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX,GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX,OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX,TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMO XXXX  XXXX XXXX XXXX XXXX XXXXMO 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 XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-09-11 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$360.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
9 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  didnot authorize none of these I would appreciate if you delete these of my credit report immediately I see nexus lexis also had a breach sll the credit reports also did a lot of activity I didnot authorize collections and closed accounts also these is against my rights delete please 15 1681c-2 I was exposed in a data breach with transition XXXX XXXX gave my information to 3rd parties XXXX out my consent delete everything I dont feel safe XXXX my personal information no more this against the law delete all 3 thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX inquiries ally XX/XX/year> XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  didnot authorize none of these I would appreciate if you delete these of my credit report immediately I see XXXX XXXX also had a breach sll the credit reports also did a lot of activity I didnot authorize collections and closed accounts also these is against my rights delete please 15 1681c-2 I was exposed in a data breach with transition experian XXXX  gave my information to 3rd parties XXXX out my consent delete everything I dont feel safe XXXX my personal information no more this against the law delete all 3 thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau Complaint Company : Capital One Financial Corporation Product : Credit Card or Prepaid Card Issue : Accounts closed without proper justification Complaint : I am filing this complaint regarding the recent closure of my two Capital One credit card accounts, which I have held in good standing for many years. 
In XXXX, I updated my payment information with Capital One to use my XXXX XXXX  account after closing my XXXX XXXX account. Despite this update, XXXX XXXX  system continued to attempt withdrawals from my former XXXX XXXX account. This led to two returned payments that were not the result of my actions. At the time, I was in the hospital for an extended stay, which delayed my ability to notice the issue immediately. Once I discovered what had happened, I promptly paid the entire balance in full from my XXXX XXXX  account. 
Only a few days later, both of my Capital One credit card accounts were closed. I then contacted Capital One customer service to explain the situation, but I was told there was nothing they could do and that I would need to apply for new accounts. This response disregards my long-standing positive history with Capital One, my timely payment from my new account, and the extenuating circumstances of my hospitalization. 
The closure of these accounts has caused significant harm to my credit history and has left me with very limited credit options, which is especially concerning as these accounts are one of my only financial protections when I travel internationally.

Desired Resolution : I am requesting that Capital One reinstate both of my closed credit card accounts with their original account numbers and full credit history intact. 
Account Information for Reference : XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX, XXXX Account ending in XXXX Social Security Number ends in XXXX. 
Thank you for your assistance in addressing this matter.

Company response to consumer: Closed with explanation