vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Disputing Inaccurate Account Information XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( as listed on my credit report ) Im writing to dispute an account thats currently showing up on my credit report from XXXX XXXX XXXX. After reviewing the details, I noticed something that doesnt make sense the account shows a date opened of XXXX XXXX XXXX XXXX XXXX XXXX XXXX which hasnt even happened yet. 
Thats clearly an error. On top of that, the listing is missing some other important info like the date of last payment and payment history. The comments section is either blank or inconsistent, depending on the bureau. Overall, the information just doesnt seem complete or accurate.

Because of these issues, Im asking that this account be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), anything reported needs to be accurate, complete, and fully verifiable and this entry doesnt meet that standard. 
Please take a look, investigate the details, and let me know the results. If it cant be verified or corrected, Id appreciate it if the account is deleted. 

Thanks so much for your time and help with this. 

Best, XXXXXXXX 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 explanation
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries.XXXX XXXX Original creditor XXXX XXXX XXXX High balance {$180.00} XXXX XXXX Original creditor XXXX IN XXXX High balance {$150.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX High balance {$71.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2025-07-18 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: KY

Complaint narrative:
I have been a victim of identity theft, and I am submitting another request to have fraudulent information removed from my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to delete any fraudulent entries within 4 business days after receiving this notice. I have also noticed that the information provided on some of these items is unfamiliar to me and has already been removed from other bureaus, which raises concerns about the accuracy of these entries.XXXX XXXX Original creditor XXXX XXXX XXXX High balance {$180.00} XXXX XXXX Original creditor XXXX IN XXXX High balance {$150.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX High balance {$71.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: DE

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
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-18 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-07-18 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: TN

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never received information or updated about these unauthorized hard inquiries. All I was told that theyll reach back out to me. I would like this resolve in a respectful manner.

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 2025-07-18 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint because a collection agency is reporting inaccurate information on my credit report. I have disputed the account and requested validation from the debt collector, but they failed to provide proper documentation proving that the debt is valid and that I am legally responsible for it. Despite this, the agency continues to report the account to the credit bureaus. 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information reported to credit bureaus be accurate and verifiable. I am requesting that this collection account be removed from my credit reports and that the collection agency cease all reporting and communication until the debt is properly validated. 
XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX  Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX  Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} CAINE WEINER  ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$94.00} XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$510.00} CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint because a collection agency is reporting inaccurate information on my credit report. I have disputed the account and requested validation from the debt collector, but they failed to provide proper documentation proving that the debt is valid and that I am legally responsible for it. Despite this, the agency continues to report the account to the credit bureaus. 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information reported to credit bureaus be accurate and verifiable. I am requesting that this collection account be removed from my credit reports and that the collection agency cease all reporting and communication until the debt is properly validated. 
XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$63.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$94.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$510.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my final formal demand regarding the unresolved dispute of the inaccurately reported account listed as XXXX  XXXX XXXX XXXX XXXX XXXX with Experian and XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX with Equifax on my credit file. 

Despite multiple disputes and sufficient time granted to correct or validate the record, the accounts continue to remain unchanged.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-07-18 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$670.00} XXXX XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1600.00}

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 2025-07-18 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: KY

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of unauthorized XXXX  inquiries from my credit report. In accordance with FCRA XXXX ( XXXX U.S.C. XXXX ), the credit bureaus are required to block any information resulting from identity theft within XXXX business days of receiving proper notice. I did not authorize these inquiries, nor did I initiate any applications that would warrant them. Some of these inquiries are unfamiliar to me and raise serious concerns about fraudulent activity. In several instances, these same inquiries have already been removed by other credit bureaus, further supporting my XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-07-18 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: KY

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of unauthorized XXXX  inquiries from my credit report. In accordance with FCRA XXXX ( XXXX U.S.C. XXXX ), the credit bureaus are required to block any information resulting from identity theft within XXXX business days of receiving proper notice. I did not authorize these inquiries, nor did I initiate any applications that would warrant them. Some of these inquiries are unfamiliar to me and raise serious concerns about fraudulent activity. In several instances, these same inquiries have already been removed by other credit bureaus, further supporting my XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: WI

Complaint narrative:
I am reporting XXXX XXXXXXXX XXXX XXXXXXXX for continuously misreporting and re-aging a charged-off account. 

The account was charged off in XXXX, yet XXXX XXXX continues to report new monthly derogatory marks, inflated balances, and false payments made in XXXX and XXXX. 

Their payment history also shows 30/60/90/120-day lates for months where no payment was ever made. This is inaccurate, misleading, and harmful to my credit profile. 

I last made a payment in XXXX yet they show new payments I never authorized. They are also reporting a written-off balance and a past-due balance that do not match the original loan amount. 

I have disputed this before and provided full documentation. I am requesting immediate deletion of this account under the FCRA ( 15 U.S. Code 1681s-2 and 1681c ).

This is damaging my ability to qualify for housing and credit, and causing emotional distress. 

I am mailing my formal dispute as well as all evidence as I do not see a option to easily upload those here!

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am reporting XXXX XXXXXXXX XXXX XXXXXXXX for continuously misreporting and re-aging a charged-off account. 

The account was charged off in XXXX, yet XXXX XXXX continues to report new monthly derogatory marks, inflated balances, and false payments made in XXXX and XXXX. 

Their payment history also shows 30/60/90/120-day lates for months where no payment was ever made. This is inaccurate, misleading, and harmful to my credit profile. 

I last made a payment in XXXX yet they show new payments I never authorized. They are also reporting a written-off balance and a past-due balance that do not match the original loan amount.

I have disputed this before and provided full documentation. I am requesting immediate deletion of this account under the FCRA ( 15 U.S. Code 1681s-2 and 1681c ).

This is damaging my ability to qualify for housing and credit, and causing emotional distress. 

I am mailing my formal dispute as well as all evidence as I do not see a option to easily upload those here!

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