vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Formal FCRA Dispute Illegal Reporting & Reinsertion of Dept of EdXXXX and XXXX Accounts Filed via CFPB e-OSCAR Compliant 72-Hour Resolution Required To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, concerning three ( 3 ) inaccurate, unverifiable, or illegally reinserted accounts currently listed on my XXXX  credit file. 

These accounts have either been : Previously removed by XXXX and/or Equifax, Unlawfully reinserted, or Are being reported without certification of accuracy in violation of FCRA 611 and 602.

Accounts in Dispute : DEPT OF ED/AIDVANTAGE Late Payment Balance : {$130.00} Last Updated : XX/XX/year>2025 DEPT OF ED/XXXX  Late Payment Balance : {$1000.00} Last Updated : XX/XX/year>2025 XXXX Potentially Negative Balance : {$2400.00} Balance Updated : XX/XX/year>2025 FCRA Violations Noted : FCRA 611 ( a ) ( 5 ) ( B ) : Prohibits reinsertion of deleted accounts without written notice and certification from the furnisher. 
The XXXX account was previously removed and has been reinserted with no notice or documentation this is a clear FCRA violation. 
FCRA 602 & 607 : Require XXXX  to ensure maximum possible accuracy and remove unverifiable or incorrect information. 
The Dept of Ed/XXXX  accounts were removed by other bureaus, indicating they are not verifiable or not accurate. Your continued reporting is not legally compliant.

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

Complaint narrative:
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 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NJ

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentation including government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryEquifax has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Equifax to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). The following letters were sent as part of my ongoing efforts to resolve this matter : Re-inserted accounts Letter. 
These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Equifax has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. 
Equifax s continued reporting of the XXXX  XXXX account after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-08-08 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 disputed the XXXX account because it is inaccurate and unverifiable. The account was previously deleted from my credit reports and then reinserted without written notice, which violates 15 USC 1681i ( a ) ( 5 ) ( B ).

I requested the original signed contract or promissory note with my wet ink signature and the full method of verification per 1681i ( a ) ( 6 ). None was provided. Instead, the bureaus marked it as Verified or Updated without performing a reasonable reinvestigation as required under 1681i ( a ) ( 1 ), relying solely on the furnishers word.

This also violates 1681c-2 and 1681s-2, and constitutes willful noncompliance under 1681n and 1681o.

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

Complaint narrative:
I am requesting the immediate and permanent deletion of all fraudulent inquiries listed below, as I did not authorize them and they are the result of identity theft : XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureau must : Block and delete these inquiries in compliance with FCRA 1681c2 within XXXX business days of receipt of my FTC Identity Theft Report and proof of identity. 

Provide written confirmation that the deletions have been completed. 

Issue an updated consumer report reflecting the removal of the fraudulent items. 

I expect these corrections to be completed promptly and in full compliance with federal 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX, I disputed two XXXX XXXX accounts appearing on my Experian credit report because I believed the information to be inaccurate and unverifiable. I also sent a written request for full validation, including : The original signed credit agreement or contract Complete payment history with dates and amounts Proof of Capital Ones ownership or right to collect the debt Documentation showing how the reported balance was calculated Evidence that the account was reported in compliance with the Fair Credit Reporting Act ( FCRA ) Experian marked the accounts as verified without providing any of the requested documentation. XXXX XXXX did not provide the validation documents required under the FCRA. 
This violates my rights under the FCRA, specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputed information. Without proper verification, these accounts should not be reported. I am requesting that the CFPB investigate and require XXXX XXXX to provide full validation or remove the accounts from my credit reports.

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 2025-08-08 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To whom it may concern, My name is XXXX XXXX , and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX, and my goal is to maintain the relationship weve built over the last 3 years. I recently pulled my Experian credit report and discovered I have a late payment that was reported on XXXX XXXX for my XXXX XXXX account XXXX XXXX account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my recent medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
I am requesting the permanent deletion of all inaccurate late payment entries for the following accounts, as they were always paid as agreed and I never received proper billing notices or payment due notifications : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX To resolve this matter in compliance with FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ), and 15 U.S.C. 1666B, I require that the credit bureau : Conduct a full reinvestigation with the furnishers to obtain documented proof that proper billing notices and due dates were sent before reporting these late payments. 

Delete the disputed late payment entries if such proof can not be produced. 

Provide a corrected credit report and written confirmation of the deletions within 15 business days. 

This action will bring the bureau into compliance with federal consumer protection laws and fully resolve my dispute.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
I am filing a subsequent complaint concerning the accounts listed on my credit report. Following a thorough examination of my records, I am firmly convinced that these accounts have been inaccurately reported, resulting in a detrimental impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the items that I request to be investigated and updated : 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am submitting this formal complaint against TransUnion for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXXXXXXXXXX XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. TransUnion has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

TransUnions actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of TransUnions violation and my demand for immediate corrective action.

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 2025-08-08 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting the permanent deletion of all inaccurate late payment entries for the following accounts, as they were always paid as agreed and no proper billing notice or payment due notification was provided : XXXX Account XXXX. XXXX XXXX Account XXXX. XXXX To resolve this matter fairly and in compliance with federal law, I require that the credit bureau : Conduct a full reinvestigation with the furnishers to obtain documented proof that proper billing notices and due dates were sent before any late payment was reported. 

Delete the disputed late payment entries if such proof can not be produced. 

Provide a corrected credit report and written confirmation of the deletions within XXXX business days. 

This resolution is consistent with FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ), and 15 U.S.C. 1666B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 2025-08-08 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:
A late payment is showing on my credit file, but my payment records indicate this is not accurate. I am disputing this entry as it appears to be a clear reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This collection was removed from my XXXX  report between XX/XX/year>XXXX  and XX/XX/year>. Please remove this collection from my TransUnion and Experian reports. Thank you.

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 2025-08-08 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: TX

Complaint narrative:
I am disputing the presence of an account on my credit report that I did not open or authorize. I have no connection to the creditor involved, and this item does not reflect my personal or financial activity. It is damaging my credit profile and must be removed without delay.

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 2025-08-08 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: NJ

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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