vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: AK

Complaint narrative:
I am submitting again to follow up on a dispute I submitted last dispute regarding inaccuracies on my Equifax, Experian and TransUnion credit report. Despite my previous dispute, my report continues to list addresses at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX neither of which has ever been my residence or associated with any of my financial accounts. The continued presence of these addresses is misleading, creates unnecessary confusion, and raises the risk of further errors being attributed to me. Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. I expect Equifax, Experian and TransUnion to take this matter seriously, investigate these addresses with the relevant furnishing sources, and promptly update my file to reflect only accurate, verified addresses. 
Furthermore, my credit report continues to show a charge-off account from XXXX XXXX XXXX XXXX account number XXXX, reflecting a balance of {$10000.00}, opened on XX/XX/XXXX, and last activity reported on XX/XX/XXXX. I previously disputed this account on my previous dispute, but it has not yet been corrected. My records indicate that this account was handled properly, and the reporting on my file is inconsistent with its factual history. It is particularly concerning that this account is still reported as open on Equifax, Experian and TransUnion, which demonstrates a failure of accurate reporting and verification between the bureaus. Pursuant to 15 U.S. Code 1681i ( a ), I am demanding that Equifax, Experian and TransUnion conduct a full reinvestigation with the furnisher, provide documented proof supporting the accuracy of the current reporting, and immediately update my credit report to reflect the correct information. I can not stress enough how critical it is that this account be corrected without further delay.

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 2025-12-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 2025-12-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
On XX/XX/year>, a Self Credit Builder account was opened under my name without my informed knowledge. I discovered this account on XX/XX/year>. In XXXX, I was responding to a XXXX XXXX housing ad, and the person I was communicating with directed me to several third-party credit sites. I stopped interacting with these sites once I felt the situation might be a scam. 

Unknowingly, this resulted in a Self Credit Builder loan for {$510.00} being opened under my name, with monthly payments of {$25.00}. Two payments, for XXXX and XXXX, were reported as late. This has caused my credit score to drop from XXXX to XXXX. I did not know this loan existed, nor did I authorize it knowingly. 

I have been actively building my credit for housing and other important life goals, and this situation has put me in distress because it could have long-term negative effects on my life. I respectfully request that this account be removed from my credit record, as I believe it is unfair for it to remain, given that it was opened without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I am filing this complaint because my credit report contains major inaccuracies that have affected my life and my ability to move forward. My correct legal name is XXXX XXXX, but the credit bureaus are reporting several incorrect name variations including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. These names are not mine, and because of this mixed-file error, my credit report is showing accounts and hard inquiries that do not belong to me. 

These inaccuracies violate 15 U.S.C. 1681, which requires the credit bureaus to report only accurate information and to properly reinvestigate disputed items. I have tried to correct these mistakes directly with the bureaus, but the incorrect names and unauthorized accounts were not removed. 

I am XXXX XXXX XXXX, and for years I have been trying to buy a home for my family. Every time I apply, I get denied because my credit file is showing negative information that does not belong to me. It has been extremely stressful to know that I am being held back by mistakes that are not even mine. I work hard, I take care of my responsibilities, and I have done everything Im supposed to do yet these errors continue to hurt me. 

The mixed-file issue has attached multiple accounts and hard inquiries to my credit, causing severe and unfair damage. I never applied for many of these accounts, and I did not authorize the inquiries being reported. These mistakes have stopped me from being able to qualify for a home loan and have created emotional and financial hardship for me and my family. 

I am asking for the CFPBs help because the credit bureaus have not corrected this problem even after I disputed it with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I am filing this complaint because my credit report contains major inaccuracies that have affected my life and my ability to move forward. My correct legal name is XXXX XXXX, but the credit bureaus are reporting several incorrect name variations including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. These names are not mine, and because of this mixed-file error, my credit report is showing accounts and hard inquiries that do not belong to me. 

These inaccuracies violate 15 U.S.C. 1681, which requires the credit bureaus to report only accurate information and to properly reinvestigate disputed items. I have tried to correct these mistakes directly with the bureaus, but the incorrect names and unauthorized accounts were not removed. 

I am XXXX XXXX XXXX, and for years I have been trying to buy a home for my family. Every time I apply, I get denied because my credit file is showing negative information that does not belong to me. It has been extremely stressful to know that I am being held back by mistakes that are not even mine. I work hard, I take care of my responsibilities, and I have done everything Im supposed to do yet these errors continue to hurt me. 

The mixed-file issue has attached multiple accounts and hard inquiries to my credit, causing severe and unfair damage. I never applied for many of these accounts, and I did not authorize the inquiries being reported. These mistakes have stopped me from being able to qualify for a home loan and have created emotional and financial hardship for me and my family. 

I am asking for the CFPBs help because the credit bureaus have not corrected this problem even after I disputed it with them.

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 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
My car was only 60 days behind it got repoed XX/XX/XXXX In XXXX I could of deferred the payments for 3 months, it cost me XXXX in repairs plus XXXX a month since XX/XX/XXXX, I owed XXXX they said I made a payment of {$1500.00} in XXXX, another XXXX In XXXX and another XXXX they still sold my car for {$800.00}. I should of been able to go pick it up. They told me payments never went through they show as payment can't be found. I didn't hang up the phone for one it was verified the other 2 came from bank accounts that show up on my credit report, they went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-12-05 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 submitting this follow-up complaint regarding numerous inaccuracies on my Experian, Equifax and TransUnion credit report that continue to misrepresent my financial history and identity, despite prior disputes. These errors include incorrect names, inaccurate addresses, unverifiable late payments, and unauthorized inquiries, all of which are causing significant stress, confusion, and potential harm to my creditworthiness. 

My report incorrectly lists my name as XXXX XXXX and XXXX XXXX, neither of which is my legal name. These misrepresentations raise concerns about identity misallocation, misdirected inquiries, and potential loan denials. Additionally, inaccurate addresses, including XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX have been reported despite my never residing or conducting financial activity there. Such errors violate FCRA 607 ( b ) and 609 ( a ) ( 1 ), and I request immediate correction to reflect my true legal name and accurate address history.

Several late-closed accounts have been reported with inconsistencies in status and payment history. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  show late payments and account activity dates that conflict with my verified records. CreditACPT XXXX is reported with extensive late payments across multiple months and years, many of which do not align with my documented payment history. Reporting unverifiable or inaccurate late payments can exaggerate my perceived credit risk and harm my ability to obtain credit. I request a full reinvestigation of these accounts, verification with the original creditors, and correction or removal of any unverifiable information in accordance with FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ).

Finally, I dispute the XXXX XXXX inquiry dated XX/XX/year>, which may have been reported without proper authorization or verification, in violation of FCRA 604 ( a ) ( 3 ). I request that this inquiry be reviewed and deleted if it can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: PA

Complaint narrative:
I am submitting this follow-up complaint regarding numerous inaccuracies on my Experian, Equifax and TransUnion credit report that continue to misrepresent my financial history and identity, despite prior disputes. These errors include incorrect names, inaccurate addresses, unverifiable late payments, and unauthorized inquiries, all of which are causing significant stress, confusion, and potential harm to my creditworthiness. 

My report incorrectly lists my name as XXXX XXXX and XXXX XXXX, neither of which is my legal name. These misrepresentations raise concerns about identity misallocation, misdirected inquiries, and potential loan denials. Additionally, inaccurate addresses, including XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX have been reported despite my never residing or conducting financial activity there. Such errors violate FCRA 607 ( b ) and 609 ( a ) ( 1 ), and I request immediate correction to reflect my true legal name and accurate address history.

Several late-closed accounts have been reported with inconsistencies in status and payment history. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  show late payments and account activity dates that conflict with my verified records. CreditACPT XXXX is reported with extensive late payments across multiple months and years, many of which do not align with my documented payment history. Reporting unverifiable or inaccurate late payments can exaggerate my perceived credit risk and harm my ability to obtain credit. I request a full reinvestigation of these accounts, verification with the original creditors, and correction or removal of any unverifiable information in accordance with FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ).

Finally, I dispute the XXXX XXXX inquiry dated XX/XX/year>, which may have been reported without proper authorization or verification, in violation of FCRA 604 ( a ) ( 3 ). I request that this inquiry be reviewed and deleted if it can not be substantiated.

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