vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX DISPUTE LETTER EQUIFAX XXXX Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : DISPUTE OF ERRONEOUS INFORMATION UNDER FCRA REMOVAL OF INCORRECTLY REPORTED LATE PAYMENTS Dear Equifax, XXXX am writing to you pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ), specifically under section XXXX ( XXXX U.S. Code XXXX ), to dispute the following information that is inaccurately listed on my credit report. Account in Dispute : Creditor Name : XXXX Bank Account Number : XXXX Dispute Reason : The late payments reported for XXXX and XX/XX/XXXX ( XXXX and XXXX  days late, respectively ) never occurred. I have consistently paid this account as agreed and request that a full investigation be conducted. This negative information is inaccurate, incomplete, and unverifiable, and must be removed. According to XXXX XXXX format guidelines, this account should be updated using the following codes : - Compliance Condition Code : XXXX ' Consumer disputes account information - Special Comment Code : XXXX ' Account information under investigation - Payment Rating : " XXXX ' Current account / no derogatory history Under FCRA XXXX and XXXX ( b ), all information reported must be accurate and verifiable. Please initiate a full and prompt investigation. If the creditor can not validate the late payments, this information must be completely removed from the file within the regulatory XXXX-day period. Attached are copies of my identification and proof of address to assist with the investigation. 

Thank you for your attention to this matter. I look forward to a timely resolution as required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing inaccurate information being reported by XXXX XXXX XXXX on my credit report. The account number ending in XXXX is showing as past due, which is incorrect and negatively affecting my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the Equifax XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized SYNCB Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : 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 2025-08-06 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: MS

Complaint narrative:
On XX/XX/year>2025 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-08-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the Equifax XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
In XX/XX/year>, I uncovered a deeply troubling issue : someone has been using my identity to open fraudulent accounts without my knowledge or permission. I want to make it absolutely clear that I did not authorize these accounts at any time, and this is a clear instance of identity theft. 
This matter has caused me considerable distress, and I am urgently requesting swift action to resolve it. I am formally asking and fully expecting that you take immediate steps to remove and block all unauthorized credit accounts from my credit report. 
Accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
In XX/XX/year>, I uncovered a deeply troubling issue : someone has been using my identity to open fraudulent accounts without my knowledge or permission. I want to make it absolutely clear that I did not authorize these accounts at any time, and this is a clear instance of identity theft. 
This matter has caused me considerable distress, and I am urgently requesting swift action to resolve it. I am formally asking and fully expecting that you take immediate steps to remove and block all unauthorized credit accounts from my credit report. 
Accounts : 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

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 2025-08-06 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: FL

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Subject : Formal Dispute and Debt Validation Request Pursuant to Federal Law To Whom It May Concern, This letter serves as a formal notice of dispute concerning any and all alleged debts you claim I owe to your organization. I hereby deny owing any balance to XXXX XXXX XXXX, and I refuse to pay the amount you claim is due unless and until you provide full and complete validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( XXXX  ) and applicable consumer protection laws. 

Account # : XXXX In accordance with XXXX XXXX XXXX ( b ) ( XXXX ), XXXX XXXX XXXX ( c ) ( XXXX ) ( i ), XXXX XXXX XXXX ( d ), and XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), I formally request the following : Debt Validation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A complete itemization of the alleged debt. 

The name and address of the original creditor. 

A copy of the original contract bearing my signature ( if applicable ). 

Proof that the debt is valid and that I am legally obligated to pay it. 

XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A full copy of the purchase or assignment agreement between XXXX XXXX XXXX and the original creditor. 

This must show the legal transfer of ownership of the debt, including all rights to collect. 

Proof of Licensing and Bonding in Florida -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Documentation proving that XXXX XXXX XXXX is licensed and bonded to collect debts in the State of Florida, as required by Florida law. 

Furthermore, you are hereby notified that I revoke any and all rights you believe you have to contact me regarding this or any other alleged debt. Do not call, text, or send any further communications to me by phone or email. All future contact must be in writing and only for the purpose of supplying the documentation I have lawfully requested. 

Should you fail to provide all of the documentation requested above within XXXX  days from the date of this letter, I will consider the debt invalid, improperly reported, and subject to further legal remedies. Your failure to comply will also serve as grounds for demanding the immediate deletion of the collection account from all consumer reporting agencies. 

Please be advised that continued reporting of this account without proper validation and legal authority constitutes a direct violation of federal law, including the FDCPA and the Fair Credit Reporting Act ( XXXX  ), and may result in legal action being pursued against your agency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, TN XXXX Subject : Formal Dispute and Debt Validation Request Pursuant to Federal Law To Whom It May Concern, This letter serves as a formal notice of dispute concerning any and all alleged debts you claim I owe to your organization. I hereby deny owing any balance to XXXX XXXX XXXX, and I refuse to pay the amount you claim is due unless and until you provide full and complete validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( XXXX  ) and applicable consumer protection laws. 

Account # : XXXX In accordance with XXXX XXXX XXXX ( b ) ( XXXX ), XXXX XXXX XXXX ( c ) ( XXXX ) ( i ), XXXX XXXX XXXX ( d ), and XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), I formally request the following : Debt Validation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A complete itemization of the alleged debt. 

The name and address of the original creditor. 

A copy of the original contract bearing my signature ( if applicable ). 

Proof that the debt is valid and that I am legally obligated to pay it. 

XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A full copy of the purchase or assignment agreement between XXXX XXXX XXXX and the original creditor. 

This must show the legal transfer of ownership of the debt, including all rights to collect. 

Proof of Licensing and Bonding in Florida -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Documentation proving that XXXX XXXX XXXX is licensed and bonded to collect debts in the State of Florida, as required by Florida law. 

Furthermore, you are hereby notified that I revoke any and all rights you believe you have to contact me regarding this or any other alleged debt. Do not call, text, or send any further communications to me by phone or email. All future contact must be in writing and only for the purpose of supplying the documentation I have lawfully requested. 

Should you fail to provide all of the documentation requested above within XXXX  days from the date of this letter, I will consider the debt invalid, improperly reported, and subject to further legal remedies. Your failure to comply will also serve as grounds for demanding the immediate deletion of the collection account from all consumer reporting agencies. 

Please be advised that continued reporting of this account without proper validation and legal authority constitutes a direct violation of federal law, including the FDCPA and the Fair Credit Reporting Act ( XXXX  ), and may result in legal action being pursued against your agency. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( XXXX  ), particularly XXXX U.S.C. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A credit account has been added to my report without my permission or awareness. I have never conducted any business with the entity that submitted this information, and I am confident that this account was opened fraudulently. It is negatively affecting my credit and is not reflective of any legitimate financial activity on my part.

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