vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
Date opened - XX/XX/year> Original balance - {$1100.00} Account name - AFFIRM INC Account number - XXXX In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

AFFIRM INC, has violated my rights. Section 602 A, states I have the right to privacy!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OH

Complaint narrative:
on XX/XX/year> I discovered that there were multiple accounts on my credit report that i did not authorize to be in use and are not my current accounts and are being reported without my knowledge or authorization the XXXX credit bureaus are clearly violating the laws below 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy This law requires credit bureaus to investigate disputes regarding inaccurate information in your credit report. If an item is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected within 30 days ( or 5 days if expedited ). 2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information Creditors and lenders can not report inaccurate information to credit bureaus. If they do, they must correct or remove the information upon notification. 3. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft due to the company reporting unauthorized inaccurate information is not my information.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-05-20 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:
Issue : A company is reporting inaccurate information on my credit report and has failed to respond to my disputes properly. 
Company Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Problem Description : These accounts are labeled collections, and some are labeled closed. They are updating, and they were sold to different lenders. I have no relationship with these companies, i don't know if they are third-party companies I am filing this complaint because collection Companies and the credit bureaus are reporting inaccurate and unverifiable information on my credit report, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ). Specifically : They failed to report accurate data under 1681s-2 ( a ) They failed to conduct a reasonable investigation per 1681i They reinserted previously deleted information without notifying me within 5 business days as required by 1681i ( a ) ( 5 ) ( B ) They did not mark the account as disputed after receiving my prior dispute ( violation of 1681s-2 ( a ) ( 3 ) ) I have demanded deletion due to these legal violations and received no adequate response. 
I am requesting that the CFPB investigate this matter and require the company to : Delete the inaccurate account from all consumer reporting agencies Cease all further reporting or collection activity related to the account Company response requested : Deletion of the inaccurate tradeline and written acknowledgment.

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 2025-05-20 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: NV

Complaint narrative:
" I am writing to demand immediate action regarding the fraudulent items still on my credit file. While Ive noticed that some have been removed, there are still numerous items that remain, and I will not tolerate this negligence. I expect Experian, Equifax, and TransUnion to REMOVE EVERY SINGLE fraudulent entry that was opened without my consent, immediately. Below is the list of items that must be erased from my record, and I will not settle for anything less. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
Account name - XXXX XXXX  Account number - XXXX Date opened - XX/XX/year> Original balance - XXXX In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, has violated my rights. Section 602 A, states I have the right to privacy!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
Account name - XXXX XXXX  Account number - XXXX Date opened - XX/XX/year> Original balance - XXXX In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, has violated my rights. Section 602 A, states I have the right to privacy!

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

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 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I pulled my credit report from all XXXX major credit bureaus they all have inaccurate information on XXXX of the accounts showing up on my credit report. I have disputed these in the past and they keep saying they have verified when in the same report it shows this debt was sold to another company without my knowledge. Experian I ask that you delete this from my credit report ASAP.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I pulled my credit report from all XXXX major credit bureaus they all have inaccurate information on XXXX of the accounts showing up on my credit report. I have disputed these in the past and they keep saying they have verified when in the same report it shows this debt was sold to another company without my knowledge. Experian I ask that you delete this from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WOULD MY ADDRESS TO BE UPDATED TO A CURRENT STATE.THE ADDRESS OR ADDRESSES THAT ARE REPORTED ON MY REPORT ARE UNACCURATE AND UNACCEPTABLE NO ADDRESS OTHER THAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SHOULD BE ON MY CREDIT REPORT AND CREDIT BACKGROUND

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 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 am writing to dispute the accuracy and completeness of certain information that appears on my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information I believe is inaccurate, incomplete, outdated, or unverifiable. This letter serves as my formal notice to initiate an investigation into the accounts listed below. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} XXXX OF XXXX * * * * Balance : {$6000.00} XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXX * * * * * * Balance : {$30000.00} XXXX FIN XXXX * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * Balance : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-20 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 am writing to dispute the accuracy and completeness of certain information that appears on my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information I believe is inaccurate, incomplete, outdated, or unverifiable. This letter serves as my formal notice to initiate an investigation into the accounts listed below. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} XXXX OF XXXX * * * * Balance : {$6000.00} XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXX * * * * * * Balance : {$30000.00} XXXX FIN XXXX * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * Balance : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX * * * * Balance : {$530000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$6100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


DPT EDXXXX # XXXX XX/XX/XXXX -- {$2600.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$4800.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2200.00} DPT EDXXXX # XXXX XXXX/XXXX/XXXX -- {$3700.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am sending to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] and XXXX [ XXXX XXXX. XXXX ], I request a thorough reinvestigation of the following accounts and entries, as they XXXX be inaccurate, incomplete, or unverified XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Between XXXX and XXXX, I discovered multiple fraudulent credit accounts and inquiries on my credit report that I did not open, authorize, or benefit from. These unauthorized actions have severely damaged my credit standing, even though I am not responsible for the debts in question. 

FRAUDULENT ACCOUNTS ( XXXX ) The following accounts appeared on my credit report without my consent : Ford Motor Credit Lease with months of reported delinquency and conflicting current status I never opened or authorized these accounts, and there are no signed agreements, applications, or documentation linking me to them.

I did not apply for credit with either company, and I did not give written or verbal permission to access my credit file. These are violations of FCRA 604 ( a ). 

ACTIONS I HAVE TAKEN XXXX. Filed an Identity Theft Affidavit with the FTC on XX/XX/XXXX XXXX. Sent formal dispute letters to TransUnion and all listed creditors/collectors XXXX. Requested validation and documentation from each debt collector per FDCPA 809 ( a ) 4. Demanded removal of unauthorized inquiries from XXXX XXXX and XXXX XXXX. Placed fraud alerts and began monitoring my credit XXXX. Prepared supporting documentation : ID, Social Security card, utility bill, signed letters Despite these steps, the accounts and inquiries continue to appear on my credit file, damaging my score, limiting my access to credit, and exposing me to ongoing reputational and financial harm. 

I am now seeking full relief under : FCRA 611 ( right to dispute and deletion of unverifiable info ) FCRA 604 ( a ) ( unauthorized access to credit ) FDCPA 809 ( validation of debt ) FCRA 616617 ( civil liability for willful or negligent violations )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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