vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: SC

Complaint narrative:
Your Name : XXXX XXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX : XX/XX/XXXX, XXXXTo : Credit Bureau ( Equifax, Experian, or TransUnion ) Subject : Dispute and Removal Request XXXX XXXX XXXX XXXX XXXX AccountDear Credit Bureau, I am writing to formally dispute the continued reporting of a closed account with XXXX XXXX / XXXX XXXX  ( account number ending in XXXX ) .This account has been fully paid off and closed as of XX/XX/year>. It is currently showing as 'Closed ' with a XXXX balance, but no payment history is reported. Additionally, the status is outdated and no longer relevant to my current creditworthiness.Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ), accounts with no current relevance, inaccurate data, or insufficient payment history should be excluded from continued reporting if they do not fairly reflect my credit behavior.I respectfully request that this account be removed from my credit file across all bureaus to provide a more accurate and updated representation of my credit standing.Please confirm in writing that this account has been deleted or updated accordingly.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 2025-08-07 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 HAVE BEEN GOING BACK N FORTH WITH THIS COMPANIES FOR COUPLE OF MONTHS NOW. THERES THIS ONE ACCOUNT IT IS NOT MINE LIKE I DONT EVEN KNOW HOW IT GOT ON MY CREDIT NAME, IF YOU CAN PLEASE HELP ME WITH THIS I ILL REALLY APPRITIATE YOU AND YOU WILL LITTERALY MAKE MY DAY I HOPE THIS LETTER FINDS YOU WELL AND I WANT TO TELL YOU THAT THE BANK ALSO KNOWS ITS NOT MINE I JST NEED YOUR HELP TO FINISH ALL THIS. I ALSO WENT TO THE BRANCHES AND TALKED TO SUPERVISORS COUPLE OF TIMES, IVE BEEN REALLY SICK OF THIS BECAUSE ITS BEEN A LONG TIME I AM LIVING THIS LIFE OF A VICTIM... I REALLY HAVE TRUST ON THIS AND AM HOPING FOR THE BEST... 

XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 HAVE BEEN GOING BACK N FORTH WITH THIS COMPANIES FOR COUPLE OF MONTHS NOW. THERES THIS ONE ACCOUNT IT IS NOT MINE LIKE I DONT EVEN KNOW HOW IT GOT ON MY CREDIT NAME, IF YOU CAN PLEASE HELP ME WITH THIS I ILL REALLY APPRITIATE YOU AND YOU WILL LITTERALY MAKE MY DAY I HOPE THIS LETTER FINDS YOU WELL AND I WANT TO TELL YOU THAT THE BANK ALSO KNOWS ITS NOT MINE I JST NEED YOUR HELP TO FINISH ALL THIS. I ALSO WENT TO THE BRANCHES AND TALKED TO SUPERVISORS COUPLE OF TIMES, IVE BEEN REALLY SICK OF THIS BECAUSE ITS BEEN A LONG TIME I AM LIVING THIS LIFE OF A VICTIM... I REALLY HAVE TRUST ON THIS AND AM HOPING FOR THE BEST... 

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 2025-08-07 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-08-07 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: CT

Complaint narrative:
I reviewed my credit reports from both Experian and Equifax and discovered several inaccurate and unverifiable negative items being reported, including multiple charge-offs, duplicate accounts, and incorrect personal information. Some of the accounts, such as those from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, show charge-offs or derogatory marks that I do not recognize or have not been validated. Additionally, collection accounts from third-party debt buyers and agencies like XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX without any proof of the original creditor or legal ownership of the debt. I also noticed a hard inquiry from XXXX XXXX dated XX/XX/XXXX, that I did not authorize. I submitted formal disputes to both credit bureaus on XX/XX/XXXX, requesting investigations and removal of these accounts under my rights as outlined by the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Despite my efforts to ensure the accuracy of my credit file, the bureaus and data furnishers have failed to provide proper documentation or validation, resulting in continued inaccurate reporting that is negatively impacting 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 explanation
Consumer complaint received 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint to Experian regarding identity theft and inaccurate credit reporting across all three credit bureaus. Attached is an official FTC Identity Theft Report documenting fraudulent activity on the consumers credit file.

The consumer has only one legal name and one verified address, yet the credit files reflect multiple incorrect names and addresses. In addition, there are unauthorized accounts, including auto loans and a utility account, that were fraudulently opened without consent. These are not his debts and must be immediately removed from his credit reports.

Despite attempts to correct these errors through standard dispute channels, the inaccurate data remains. We request that each bureau conduct a full reinvestigation under the FCRA, remove all fraudulent accounts, and correct all personal identifying information. 

Supporting documentation is attached, including the FTC Identity Theft Report and a signed statement of identity.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 explanation
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-07 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my consumer credit report and noticed unknown accounts are reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE REMOVE THE FOLLOWING INFORMATION. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX Discover Account Number : XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Credit Inquiries : XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-08-07 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 have been the victim of identity theft, which has severely impacted my life. Unscrupulous individuals have used my personal information without my consent to open accounts and initiate completely fraudulent inquiries that I never authorized. This situation has caused me immense emotional distress and has put my financial stability at serious risk. I urgently plead for the immediate blocking and removal of all such accounts that do not belong to me, as they are not only unauthorized but are also causing irreparable damage to my record. Which are the following : XXXX XXXX Installment Date Opened : XX/XX/XXXX XXXX XXXX XXXX Installment Date Opened : XX/XX/XXXX XXXX Credit Card Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Installment Date Opened : XX/XX/XXXX XXXX  Installment Date Opened : XX/XX/XXXX XXXX XXXX  Installment Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered an unauthorized hard inquiry listed on my credit report. I have reviewed all of my recent financial activity and found no reason that would justify this access to my credit 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I requested a pension distribution to transfer funds to a different institution ( XXXX ). It was sent to me as a check for {$6900.00}. I mailed this check to XXXX but it was intercepted in the mail and opened by some XXXX party, who I don't know, deposited on XX/XX/year>, and cleared on XX/XX/XXXX. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fraud department called me from XXXX ( XXXX ) XXXX to inform me that someone was trying to cash my check. I called Chase XXXX department on XX/XX/year> and the pension administrator, XXXX XXXX ( phone # XXXX ( XXXX ) XXXX ), confirmed that someone had stolen the check, and sent me a picture of the check ( attached ) with someone else 's signature on it. I have not received any other concrete information about this since. 
I've also contacted XXXX to validate that my account never received the funds. They are able to produce a full transaction record which shows that no rollover check ever cleared to the intended account.

Company response to consumer: Closed with explanation