vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXXXXXX

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 2025-06-13 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 am writing to dispute several accounts that appear on my credit report without my authorization. These accounts are fraudulent, and I had no involvement in their creation. In accordance with 15 U.S.C. 1681g, I request their immediate removal within 15 days. Supporting evidence is attached.

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 2025-06-13 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: NY

Complaint narrative:
Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Report and Demand for Immediate Correction under Federal Law To Whom It May Concern : I, XXXX XXXX, am formally notifying the FTC and each of the above credit bureaus that I am the victim of identity theft and that false, inaccurate, and unvalidated credit data is being reported in my name. I have never given consentverbal or writtenfor any of the accounts, inquiries, or extensions of credit currently reported that I dispute. My reports since XXXX have been systematically ignored or inadequately addressed. 

Notice and Demands : No Consent & Rights Reserved : I have not consented, verbally or in writing, to any disputed item reported in my credit file. Any further reporting or dissemination of such information is without my authorization and in violation of my rights under federal law. 

Demand for Written Validation : Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), and applicable constitutional and consumer protection statutes, I demand the immediate removal or investigation of all contested items unless you can supply me with a written affidavit and documentary proof validating their accuracy, origin, and my written consent. 

Non-Response and Ongoing Violations : Despite my repeated written disputes and requests since XXXX, TransUnion, Experian, and Equifax have failed to respond or cure the inaccuracies as required by law, continuing to violate my civil and consumer rights, privacy, and protections against defamation and unauthorized use of my information. Continued reporting also interferes with my copyright and trademark interests in my personal data. 

Demand for Damages and Notice of Penalty : Under 15 U.S.C. 1681n and 1681o and other applicable statutes, you are liable for statutory and actual damages for each day of willful or negligent non-compliance. I hereby demand penalties of {$2000.00} per day for each day inaccurate or defamatory information remains on my file after this formal notification. 

Immediate Action Required : Block, remove, or correct all unvalidated or unauthorized tradelines and inquiries. 
Provide me with a detailed, written validation or investigation response within 30 days as required by law. 
Cease and desist all further dissemination of unverified or disputed information. 

If you do not comply, I reserve my right to pursue formal complaints and civil actions against you with the FTC, CFPB, Attorney General, and in federal court. Please provide a written affidavit of validation or deletion for each disputed item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I requested a credit limit increase for my Home Depot store card. Upon requesting the increase, the company made a hard inquiry on my credit report. No indication or information tells you that requesting a credit limit increase will result in a hard inquiry on your credit report. On the web screen that requests the increase, it does not tell you that it is a hard inquiry. I would not have submitted an increase request if I knew that.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and unverifiable information being reported by TDRCS XXXX Raymour & Flanigan to XX/XX/XXXX 

Specifically, the account ( ending in XXXX ) is reporting a XXXX late payment for XX/XX/year>. I formally disputed this entry in writing to bothXX/XX/XXXXunder my rights granted by the Fair Credit Reporting Act ( FCRA ). 

Despite initiating the dispute process, both bureaus have continued to report the derogatory information, and neither has provided adequate documentation to verify the accuracy of the reported delinquency. 

This constitutes a clear violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to reasonably investigate a dispute within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information.

15 U.S.C. 1681s-2 ( b ) : Failure by the furnisher to conduct a proper investigation. 

To date, I have not received any substantiating documentation, such as billing statements, delinquency notices, or signed acknowledgments proving I was late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
This was in regards to a faulty vehicle, we purchased it, and returned it to XXXX, as a lemon. The debt was incurred XXXX  years ago, and every couple of years or so, they start calling and harrassing that the sheriff is going to serve us with papers, they claim that they have sent us documents to pay for this debt, we having heard anything from the original debtor, Citi-Financial, since XXXX. 
They called XXXX times today, when we answer they hang up, and I called them back to find out who they are, I told them never to call us again, as this debt is XXXX XXXX XXXX. So they proceeded to call our XXXX XXXX at work, twice, before she answered. 

They are beyond the statute of limitations to call for this bill, and they are continueing to harrass not just us, but our XXXX  too.

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 2025-06-13 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: NC

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 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 2025-06-13 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The accounts in question were created without my permission and constitute identity fraud. I request an immediate investigation and removal under 15 U.S.C. 1681g. Please process this dispute within 15 days. Relevant documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-13 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: CL Holdings LLC
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Final Notice Method of Verification Demand Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Type of Account : Auto Loan Alleged Delinquency Dates : XX/XX/XXXX XX/XX/XXXX To Whom It XXXX Concern, On XX/XX/XXXX, I submitted a written dispute under the Fair Credit Reporting Act ( FCRA ), challenging the accuracy of the reported late payment for the above-referenced account. As of todays date, I have not received any response or verification within the required 30day period under 15 U.S.C. 1681i ( a ) .In the absence of documented proofsuch as signed agreements, original billing records, or account statementsthis reporting is deemed unverifiable and must be deleted in its entirety. Continued reporting of unverifiable information constitutes a violation of federal law. Accordingly, I demand that this account be permanently and completely deleted from my credit report. Partial deletions are unacceptable ; the entire account should be removed unless proper verification is provided.Should this matter remain unresolved, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal remedies for non-compliance under 15 U.S.C. 1681n and 1681o.I expect written confirmation of this account 's deletion within XXXX business days.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 2025-06-13 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Final Notice Method of Verification Demand Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Type of Account : Auto Loan Alleged Delinquency Dates : XX/XX/XXXX XX/XX/XXXX To Whom It XXXX Concern, On XX/XX/XXXX, I submitted a written dispute under the Fair Credit Reporting Act ( FCRA ), challenging the accuracy of the reported late payment for the above-referenced account. As of todays date, I have not received any response or verification within the required 30day period under 15 U.S.C. 1681i ( a ) .In the absence of documented proofsuch as signed agreements, original billing records, or account statementsthis reporting is deemed unverifiable and must be deleted in its entirety. Continued reporting of unverifiable information constitutes a violation of federal law. Accordingly, I demand that this account be permanently and completely deleted from my credit report. Partial deletions are unacceptable ; the entire account should be removed unless proper verification is provided.Should this matter remain unresolved, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal remedies for non-compliance under 15 U.S.C. 1681n and 1681o.I expect written confirmation of this account 's deletion within XXXX business days.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER 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 explanation
Consumer complaint received 2025-06-13 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: NJ

Complaint narrative:
I have a medical debt on my Equifax credit report under XXXX XXXX XXXX XXXX. I've never been to a neurologist in my life. Equifax just updated my recent dispute again, after I submitted a request to remove it under the 'CFPB Rule, that prohibits the inclusion of medical debt on consumer credit reports '. Equifax refuses to remove this false information which also shows " medical Debt ''. Please help me in having this medical debt removed from my Equifax credit report. The Confirmation # XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. 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 Address : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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