vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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:
Dear CFPB, I am filing this complaint because all three major credit reporting agenciesExperian, Equifax, and TransUnionare reporting unauthorized and fraudulent hard inquiries on my credit report. These inquiries are the direct result of identity theft. 

I have never applied for credit or authorized these companies to access my credit file. The companies that made these fraudulent inquiries include : XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed three FTC Identity Theft Reports ( Report XXXX. XXXX, XXXX, and XXXX ), which are attached Despite providing the credit reporting agencies with my FTC reports and written disputes, the fraudulent hard inquiries remain on my credit reports. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires the removal or blocking of information that results from identity theft when provided with appropriate proof.

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 2025-08-08 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:
Dear CFPB, I am filing this complaint because all three major credit reporting agenciesExperian, Equifax, and TransUnionare reporting unauthorized and fraudulent hard inquiries on my credit report. These inquiries are the direct result of identity theft. 

I have never applied for credit or authorized these companies to access my credit file. The companies that made these fraudulent inquiries include : XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed three FTC Identity Theft Reports ( Report XXXX. XXXX, XXXX, and XXXX ), which are attached Despite providing the credit reporting agencies with my FTC reports and written disputes, the fraudulent hard inquiries remain on my credit reports. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires the removal or blocking of information that results from identity theft when provided with appropriate proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am formally filing a complaint with NAVY FEDERAL data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: OH

Complaint narrative:
I am submitting a follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
Please remove the following Charge off Accounts : XXXX XXXX  XXXX  XXXX Balance : {$4700.00} XXXX XXXX Balance : {$1100.00}

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 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 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 2025-08-08 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: PA

Complaint narrative:
I am requesting the immediate and permanent deletion of all fraudulent inquiries listed below, as I did not authorize them and they are the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureau must : Block and delete these inquiries in compliance with FCRA 1681c2 within XXXX business days of receipt of my FTC Identity Theft Report and proof of identity. 

Provide written confirmation that the deletions have been completed. 

Issue an updated consumer report reflecting the removal of the fraudulent items. 

I expect these corrections to be completed promptly and in full compliance with federal law.

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

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information been exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complain, copy of XXXX  report showing my data being exposed in a national data breach, copy of report Equifax confirming my data being exposed in their data breach, bill confirming my current address, and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OFG BANCORP
State: PR

Complaint narrative:
On XX/XX/year> i reported numerous transactions in XXXX where i never been. My atm card was aparently stolen with other items from my car. On XX/XX/XXXX the bank gave back the money withdrawn of the transactions. Since then my account still frozen with an amount over {$4000.00}. All i get is XXXX calls from a coorporate security that she said she will keep my account frozen due to a investigation. But in the XXXX calls she asked me the same questions and i gave her the same answers. I need to get my account unfrozen because i think they had time enough to " investigate '' the matter and the funds are available in the account.

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

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, A collection opened at XXXX XXXX  on XX/XX/XXXX under account number 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 # ( private case number ) 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am filing this complaint against XXXX for improperly refusing to investigate a valid credit dispute I submitted via certified mail. On XX/XX/year>, I mailed a formal dispute letter to XXXX to challenge an inaccurate collection account placed by XXXX XXXX XXXX. My dispute included all required verification documents : A signed letter with my full legal name and current mailing address ( on both the letter and envelope ) A copy of my government-issued drivers license Recent bank statements with my full name and current address These documents are required under the Fair Credit Reporting Act ( FCRA ). Despite providing more than enough documentation, XXXX refused to process my dispute and instead sent a generic form letter claiming that the dispute did not appear to be authorized by me. This is completely false. 

The dispute was properly signed, submitted, and supported by multiple verification documents. XXXX response appears to be a tactic to block a valid dispute without reasonable cause, which violates my rights under the FCRA. 

I am requesting the following : That XXXX immediately process my dispute and conduct a proper investigation That XXXX XXXX XXXX be required to provide full validation of the debt or remove the collection entirely That the CFPB investigate XXXX use of these generic unauthorized dispute letters, which appear to be used to discourage valid consumer disputes Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXX I received a voicemail from an individual identifying herself as XXXX XXXX with Alliant Capital Management. She stated she was trying to reach me regarding a personal business matter and asked me to call back at ( XXXX ) XXXX. 

On the same date, my landlord informed me she had received a call from XXXX XXXX asking for information about me. She stated XXXX claimed I had listed her as a family member or emergency contact. This is false I have never listed her as either, have never provided her information to any creditor, and have never authorized her to be contacted regarding anything in my personal, or business matters. 

Both calls are saved as audio recordings. In contacting my landlord without consent, and in making false statements about her relationship to me, Alliant Capital Management violated : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692b ( improper third-party contact ), 1692c ( b ) ( communication with third parties without consent ), and 1692e ( false, deceptive, or misleading representations ). 

California Rosenthal Fair Debt Collection Practices Act : Cal. Civ. Code 1788.14 ( c ) ( prohibiting contact with my landlord without written consent ) and 1788.17 ( incorporating FDCPA provisions ). 

I have sent a certified letter demanding debt validation and instructing Alliant to cease all third-party contact. I am requesting the CFPB take enforcement action to ensure Alliant Capital Management stops these unlawful communications and provides proper validation before continuing collection or credit reporting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An unauthorized account has appeared on my credit report, despite the fact that I never applied for or initiated it. I did not give permission for my information to be used, and this entry is the result of fraudulent activity or a serious reporting error.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Transunion, Experian, and Equifax continue to report incorrect information on my credit report. There are several names and addresses listed that do NOT belong to me. I will give each credit bureau a chance to delete the incorrect information or provide the results from their investigation that verifies the information as accurate. To not cause any confusion my name is XXXX XXXX. My address is XXXX XXXX XXXX  XXXX XXXX GA XXXX. There should be no other names or addresses listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX/XXXX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
CFPB Complaint Statement Unresolved Credit Report Dispute & FCRA Violations I am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to resolve multiple disputes I have submitted concerning inaccurate and potentially unverifiable information appearing on my credit reports.

Over the past months, I have repeatedly disputed several unauthorized inquiries, yet the bureaus have failed to take corrective action or provide a legally sufficient response as required under the Fair Credit Reporting Act ( FCRA ).

Instead of conducting a meaningful investigation, the bureaus have issued generic verified responses without providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes violations of both 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ). 

Unauthorized inquiries that remain on my credit reports : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX I have specifically requested that the bureaus provide : The exact method and process used to verify these inquiries. 

The full name, title, and contact details of the furnishing entities. 

Any documentation relied upon to confirm the disputed information. 

Despite my requests, none of this information has been provided. These failures show that the bureaus are not following the FCRAs procedural requirements for accuracy and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief