vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to dispute several unauthorized inquiries that appear on my XXXX  credit report. I am a confirmed victim of identity theft, and I have reason to believe these inquiries are connected to the well-documented XXXX XXXX  data breach, in which my personal information was compromised. 

Unauthorized Inquiries to Be Removed : XXXX - XX/XX/XXXXXXXX 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 2025-07-10 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$660.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$270.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-10 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: FL

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 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 2025-07-10 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 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 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 2025-07-10 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 submitted a factual dispute to Experian concerning multiple accounts on my credit report that are inaccurate and unverifiable. I included detailed information and supporting documents to show the discrepancies and requested a reinvestigation, as permitted under the Fair Credit Reporting Act ( FCRA ). Despite providing sufficient documentation, Experian failed to take appropriate action. The disputed accounts remain on my credit file without any clear explanation, update, or proof of proper reinvestigation. This raises serious concerns about Experians compliance with its legal obligations under Section 611 of the FCRA.

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 2025-07-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax Subject : Identity Theft Block Request under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute and request the blocking and removal of fraudulent information from my credit file pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

I have been the victim of identity theft, and as a result, the following account ( s ) were opened or used fraudulently and do not belong to me : Creditor Name : [ Insert Name ] Account Number ( if known ) : [ Insert Number ] Date Opened/Reported : [ Insert Date ( s ) ] Other Details ( if applicable ) : [ Brief Description ] In accordance with federal law, I am exercising my right under 15 U.S.C. 1681c-2, which allows consumers to request that consumer reporting agencies block fraudulent information resulting from identity theft. This section does not require a police report. As required, I have enclosed : A copy of my FTC Identity Theft Report A copy of my government-issued photo ID A copy of my Social Security card ( or document showing SSN ) Proof of my current address ( e.g., utility bill or lease agreement ) Under the FCRA, once you receive this information, you are legally obligated to block and cease reporting this information within 4 business days. 

Please send written confirmation that the identified account ( XXXX ) have been permanently blocked from my credit report. If you believe you are not obligated to comply with this request, please provide a written explanation with legal justification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
A hard inquiry from Citi Cards CBNA dated XX/XX/year> appears on my credit report. I did not authorize this inquiry nor apply for credit with Citibank. This violates FCRA 604. I demand it be removed immediately.

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 2025-07-10 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: VA

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 2025-07-10 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: TX

Complaint narrative:
I am formally disputing the XXXX XXXX account reported on my credit file due to multiple factual inaccuracies and reporting inconsistencies across all three credit bureaus. These errors are causing harm to my credit profile and violate the Fair Credit Reporting Act ( FCRA ), specifically under 1681i and 1681s-2.

Here are the factual errors : Inconsistent Credit Limits : -TransUnion and Experian report a credit limit of {$1500.00}.

Equifax reports a credit limit of {$0.00}, which is inaccurate and misleading.

-Inaccurate High Balance : Experian reports a high balance of {$0.00}, while TransUnion and Equifax report {$1900.00}, which is a clear contradiction.

-Conflicting Last Payment Dates : TransUnion and Experian show a last payment date of XX/XX/XXXX. 
Equifax reports the last payment as XX/XX/XXXX, which can not be correct if the account was charged off prior to that date. 

-Discrepancy in Last Active Date : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These three dates should be aligned based on factual activity. 

-Inconsistent Dispute Comments : TransUnion : " Dispute resolved; reported by grantor '' Experian : " Account was in dispute - now resolved '' Equifax : " Account previously in dispute - now resolved by data furnisher '' The language and status differ, and it is unclear what the resolution was. This causes confusion and further undermines the accuracy of the reporting.

-Inaccurate Payment History : Equifax reports multiple months marked " OK '' ( up to XX/XX/XXXX ), even though the account was already charged off in XXXX. A charged-off account should not reflect " OK '' status during that period. 

Based on the FCRA, data furnishers must report only complete and accurate information. I request a full investigation and immediate removal or correction of this account from all three credit bureaus, as the information being reported is factually inconsistent and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am formally disputing the XXXX XXXX account reported on my credit file due to multiple factual inaccuracies and reporting inconsistencies across all three credit bureaus. These errors are causing harm to my credit profile and violate the Fair Credit Reporting Act ( FCRA ), specifically under 1681i and 1681s-2.

Here are the factual errors : Inconsistent Credit Limits : -TransUnion and Experian report a credit limit of {$1500.00}.

Equifax reports a credit limit of {$0.00}, which is inaccurate and misleading.

-Inaccurate High Balance : Experian reports a high balance of {$0.00}, while TransUnion and Equifax report {$1900.00}, which is a clear contradiction.

-Conflicting Last Payment Dates : TransUnion and Experian show a last payment date of XX/XX/XXXX. 
Equifax reports the last payment as XX/XX/XXXX, which can not be correct if the account was charged off prior to that date. 

-Discrepancy in Last Active Date : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These three dates should be aligned based on factual activity. 

-Inconsistent Dispute Comments : TransUnion : " Dispute resolved; reported by grantor '' Experian : " Account was in dispute - now resolved '' Equifax : " Account previously in dispute - now resolved by data furnisher '' The language and status differ, and it is unclear what the resolution was. This causes confusion and further undermines the accuracy of the reporting.

-Inaccurate Payment History : Equifax reports multiple months marked " OK '' ( up to XX/XX/XXXX ), even though the account was already charged off in XXXX. A charged-off account should not reflect " OK '' status during that period. 

Based on the FCRA, data furnishers must report only complete and accurate information. I request a full investigation and immediate removal or correction of this account from all three credit bureaus, as the information being reported is factually inconsistent and harmful.

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 2025-07-10 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:
Subject : Factual dispute regarding inaccurate information on XXXX account reported by TransUnion, Experian, and Equifax I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file regarding an account with XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) by TransUnion, Experian, and Equifax. After thoroughly reviewing the account details, I found several factual errors and reporting violations under the Fair Credit Reporting Act ( FCRA ), particularly sections 1681i and 1681s-2. 

Here are the inconsistencies and factual inaccuracies : Payment History Reporting Violation : TransUnion is reporting CO ( charge-off ) status continuously for over two years ( 24 months ), from XX/XX/XXXX through XX/XX/XXXX. This is not only inaccurate but also misleading, as it falsely implies ongoing derogatory behavior despite the account being closed and charged off since XXXX. 
FCRA Violation : This constitutes a violation of 1681i ( a ) information must be accurate and complete. Charge-off should not be reported repeatedly month after month. 

Inconsistent Payment History Among Bureaus : Experian and Equifax report all monthly payments as OK ( current ) during the same time frame that TransUnion is reporting CO. This shows clear inconsistency in data among the bureaus, which violates 1681e ( b ) the requirement that information furnished must be accurate and consistent. 

Conflicting Dates of Last Activity and Payments : TransUnion lists the Date of Last Payment as XX/XX/XXXX, yet the Date Last Active is XX/XX/XXXX. 

Equifax shows Date of Last Payment as XX/XX/XXXX. 

Experian also lists XX/XX/XXXX. 
These conflicting dates among the same account from different bureaus raise serious concerns about the integrity of the information being reported. 

Inconsistent Credit Limit Reporting : Equifax is reporting a {$0.00} credit limit, whereas TransUnion and Experian report {$1500.00}. This is misleading and can negatively affect credit utilization calculations, directly impacting my score. 

Inaccurate High Balance Reported : Experian lists a high credit of {$0.00} while TransUnion and Equifax both report {$1900.00}. This is factually incorrect and should be uniform across bureaus. 

Requested Resolution : I am requesting that this account be : Immediately deleted from all three credit bureaus ( TransUnion, Experian, and Equifax ) due to repeated factual inaccuracies, data integrity issues, and clear violations of the FCRA. 

I have attached screenshots as supporting evidence. I request your assistance in ensuring the credit bureaus and data furnishers comply with the FCRA and maintain accurate and verifiable consumer 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 non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to remove fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. 
XXXX XXXX XX/XX/year>

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 2025-07-10 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-10 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: PA

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 ( FCRA ), particularly 15 U.S.C. 1681e ( 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 explanation
Consumer complaint received 2025-07-10 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 submitted formal factual disputes to Equifax regarding several inaccurate and unverifiable accounts appearing on my credit report. I provided detailed explanations and supporting documentation to demonstrate the errors and requested a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). Despite this, the disputed accounts remain on my reports with no indication that a proper investigation was conducted. I have not received sufficient responses or evidence of verification from the bureaus, and the accounts continue to negatively affect my credit profile. 

This lack of action reflects noncompliance with FCRA guidelines, particularly with respect to Section 611, which requires a reasonable reinvestigation within 30 days of receiving a dispute. The credit bureaus failure to act undermines my rights and prolongs the harm caused by inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Disputed Account : - Credit Acceptance - Account Number : XXXXXXXX XXXX XXXX XXXX Description of the Issue : I am submitting this formal complaint regarding the above-listed charge-off account, which does not belong to me. 
I have taken the following actions to resolve the issue : XXXX. I sent dispute letters to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) disputing the validity of this account. 
XXXX. I contacted Credit Acceptance directly requesting proper verification of this account under my name. 
Despite my efforts, I have not received any response or validation from Credit Acceptance. 
This inaccurate information remains on my credit reports and is causing unjustified harm to my creditworthiness. 
Applicable Federal Laws : - FCRA 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputedinformation within XXXX  days. 
- FCRA 609 [ 15 U.S.C. 1681g ] : Grants consumers the right to request all information in their credit file. 
- FCRA 623 [ 15 U.S.C. 1681s-2 ] : Prohibits furnishers from reporting information they know or have reason to believe is inaccurate. 
- FDCPA [ 15 U.S.C. 1692g ] : Entitles consumers to request debt validation and verification from debt collectors. 
- CFPB Regulation V and related consumer protection rules governing the responsibilities of furnishers and credit bureaus.

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