vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: 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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$4800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 2025-09-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

Complaint narrative:
As required by USC 1681g, these inaccurate entries must be removed within 15 days.

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

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
I have repeatedly asked the company to validate the accounts they are attempting to collect. This is my fourth request for validation, and they have still failed to provide the proper documentation required under the law. 

Instead of supplying complete verification, the company has either sent incomplete information or avoided providing the necessary proof that the debt is valid and legally enforceable. Because of this, the accounts remain unverified, yet the company continues to pursue collection and/or report them to the credit bureaus. 

Their repeated failure to validate after multiple requests shows a pattern of noncompliance and has caused me ongoing harm, including continued collection attempts and inaccurate reporting. 

I am requesting that the CFPB require the company to stop all collection activity until proper validation is provided, supply full and verifiable documentation of the alleged debt, and correct any inaccurate information that has been reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: AR

Complaint narrative:
I am filing this formal complaint against XXXX XXXX regarding an account they are reporting inaccurately on my credit file. The details of the account are as follows : Creditor/Agency : XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$570.00} Date Opened : XX/XX/year> Status : Collection This account is being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) for the following reasons : Lack of Proper Validation : XXXX XXXX has failed to provide me with proper validation of the debt as required under 15 U.S.C. 1692g. No contract, signed agreement, or original documentation proving this alleged debt has been provided. Reporting a debt without validation is a violation of federal law. 

Inaccurate and Misleading Reporting : This account is reported as a collection opened on XX/XX/year>, but I have no record of entering into any agreement that would result in such a collection. Reporting unverifiable or inaccurate information is a direct violation of FCRA 1681e ( b ), which requires furnishers to ensure maximum possible accuracy. 

Damaging My Credit Profile : By unlawfully and inaccurately reporting this debt, XXXX XXXX is causing significant harm to my creditworthiness, limiting my ability to obtain housing, credit, and fair financial opportunities. This constitutes willful and negligent noncompliance under FCRA 1681n and 1681o. 

I am requesting the CFPB to : Investigate XXXX XXXX reporting practices regarding this account. 

Compel XXXX XXXX to provide full validation of this debt in compliance with federal law. 

Require deletion of this account from my credit reports if validation can not be properly provided. 

Hold XXXX XXXX accountable for violations of the FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I had ordered an XXXX computer from XXXX XXXX of last year, the delivery left the package im assuming elsewhere, there was no picture of delivery or anything. I reached out to XXXX and they stated they would open up a claim, never heard back from them and or perpay. I never filed a police report because i initiated the dispute with XXXX first before i even reached out to XXXX, I had conversations with XXXX, XXXX, and XXXX from XXXX. I have given them the same information and nothing has been done, then they are STILL charging me and restricting my account saying I owe. That is incorrect, i've ordered multiple items from XXXX and NEVER had an issue, I'm not sure where this package was delivered to but it was not ever delivered to me or my rental office at the time, I checked with neighbors and nothing. I want my perpay account fixed, and I want them to fix the reporting of my credit. I bought jewellry from them, and a XXXX tv that was almost XXXX paid ontime, never missed a payment, never had an issue and this is how they respond and do a good customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
Violation of the fair credit act company refuses to provide the original contract as per the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent hard inquiries that have been reported on my account. These inquiries were not initiated by me, and I have no record of authorizing such activity. Their inclusion on my credit report is unlawful and must be corrected immediately.

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

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXXXXXX XXXX in XXXXXXXX XXXX, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX - {$5400.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from 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 2025-09-09 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: TX

Complaint narrative:
This correspondence is to dispute fraudulent hard inquiries reflected on my credit file. These inquiries were made without my knowledge, authorization, or consent. Their presence is false, misleading, and harmful to the integrity of my credit record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is an official dispute regarding fraudulent accounts wrongfully listed on my credit report. These accounts are not mine, and I had no involvement in their creation or use. Their reporting is inaccurate, misleading, and severely impacts my financial credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TN

Complaint narrative:
I am submitting this complaint to formally dispute and request an investigation into the reporting and collection practices of XXXX  regarding the account referenced below : Creditor/Collector Name : XXXX Account Number ( Partial ) : XXXXXXXX XXXX XXXX XXXX Reported High Balance : {$1100.00} Date Opened : XX/XX/year>XXXX   Status : Collection Complaint Details : This account is being reported inaccurately and is causing significant harm to my credit profile. I have serious concerns that the reporting and collection practices related to this account violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Verification Failure : XXXX  has not provided adequate validation of this debt as required under FDCPA 809 ( b ). I have not received any original signed agreement, itemized statement, or proof that this debt is valid and legally collectible. 

Accuracy of Reporting : The FCRA 1681e ( b ) requires consumer reporting agencies and furnishers to ensure maximum possible accuracy of information. The information being reported about this account contains discrepancies and has not been proven accurate. 

Consumer Harm : This unverified collection account is negatively impacting my credit score, ability to obtain housing, credit, and fair financial opportunities. This is an unfair practice that violates my rights under both the FDCPA and FCRA.

Requested Resolution : I respectfully request that the CFPB : Investigate XXXX  collection and reporting practices for this account. 

Require XXXX to provide full and proper validation of the debt, including original documents proving liability. 

If validation can not be provided, require immediate deletion of this account from all consumer reporting agencies. 

Ensure compliance with all federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: LEXISNEXIS
State: FL

Complaint narrative:
MY CONSUMER FILE AND PERSONAL INFORMATION THAT INCLUDES MY HOME ADDRESS AND SOCIAL SECURITY NUMBER HAVE BEEN EXPOSED DUE TO A DIRECT RESULT OF DATA BREACHES. There have been SEVERAL ATTEMPTS TO OBTAIN CREDIT IN MY NAME THAT I DID NOT AUTHORIZE, AND WAS NOT AWARE OF. I WAS RECENTLY NOTIFIED BY SEVERAL CAR DEALERSHIPS AND CREDIT CARD COMPANIES THAT MY NAME WAS USED TO OBTAIN GOODS. THESE DEALERSHIPS ARE IN CITIES AND STATES I HAVE NEVER BEEN, STATING IT WAS GOOD TO SEE ME COME IN FOR A TEST DRIVE. THIS IS INACCURATE, AND UNLAWFULLY REPORTED UNDER THE FCRA 15 USC1681et seq. PURSUANT TO FCRA 602 ( A ) AND 623, CONSUMER REPORTING AGENCIES ARE REQUIRED TO ENSURE MAXIMUM POSSIBLE ACCURACY OF MY INFORMATION. ADDITIONALLY, UNDER FCRA611 ( 15USC 1681i YOU ARE OBLIGATED TO REINVESTIGAE THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief