vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: AZ

Complaint narrative:
I am a victim of identity theft I have mailed my police report, Notarized identity theft report, front back of ID and social security card, also my military orders showing I was XXXX and my military ID along with my phone bill and utility bill requesting to block fraud information for XXXXXXXX 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Equifax and Experian Reporting Bankruptcy via XXXX Without Proper Furnisher Verification Repeated FCRA Violations Description : This is my third complaint regarding inaccurate and unverified bankruptcy reporting by Equifax and Experian, who continue to report bankruptcy data obtained from XXXX. This account has not been properly verified or validated by the courts which is a requirement.

The U.S. Bankruptcy Court has made it clear that it does not furnish data to credit bureaus. The data is being sourced and reported by XXXX, a third-party vendor, without proper verification by the credit reporting agencies ( CRAs ). Despite multiple disputes and complaints, Equifax and Experian continue to : Verify bankruptcy data with XXXX, not the original source ( the court ), Refuse to provide proof of court verification, Maintain the record despite lack of certified or primary-source confirmation.

This violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 607 ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy, FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation using the actual furnisher, FCRA 1681s-2 ( b ) XXXX, acting as a furnisher, has failed to investigate or correct the disputed record properly. 

This reporting has caused and continues to cause harm to my credit, housing opportunities, and access to fair lending. The failure to correct this issue after two prior CFPB complaints demonstrates a pattern of willful noncompliance, entitling me to relief under FCRA 1681n and 1681o.

I am requesting the CFPB to take the following actions : 1. Investigate Equifax, Experian, and XXXX for failure to properly verify or delete bankruptcy reporting.

2. Require all CRAs to delete the bankruptcy record unless they can show verification directly from the U.S. Bankruptcy Court.

3. Sanction repeated violations and compel compliance with FCRA obligations.

I will pursue further legal action if this is not resolved 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 2025-07-30 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: ID

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
My data was breached which cause identity theft with these fraudulent accounts. XXXX XXXX, XXXX XXXX and XXXX XXXX bankruptcy XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number * XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$600.00}, a telecommunication cellular account opened at XXXX XXXX on XX/XX/XXXX under the account number * XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$320.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX 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 2025-07-30 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: NJ

Complaint narrative:
My student loans were forgiven. My XXXXXXXX XXXX XXXX XXXX  account and my XXXX account all reflect this, showing a XXXX balance ( XXXX XXXX XXXX ) and that I am actually owned {$1300.00} ( XXXX ). I have disputed the inaccurate reporting XXXX  times and have called to verify the information with XXXX XXXX  times. I was provided with a letter confirming that my loans have been forgiven ( XX/XX/XXXX ). Yet, my recent dispute has come back and XXXX still continues to report the account as open, reflecting an inaccurate balance of {$37000.00}. The credit report also shows that XXXX hasn't updated the balance since XX/XX/XXXX. I received a letter and confirmed my loan forgiveness on 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
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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 seeking your help to begin an investigation into these accounts, as they are inaccurately reflected on my credit report. Pursuant to USC 1681g, I am requesting their deletion within 15 days. Relevant documentation is enclosed for your consideration. Moreover, the information reported differs among the bureaus and contains discrepancies.

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 2025-07-30 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: PA

Complaint narrative:
I am seeking your help to begin an investigation into these accounts, as they are inaccurately reflected on my credit report. Pursuant to USC 1681g, I am requesting their deletion within 15 days. Relevant documentation is enclosed for your consideration. Moreover, the information reported differs among the bureaus and contains discrepancies.

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 2025-07-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX  for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 
XXXX XXXXXXXX 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 2025-07-30 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: NC

Complaint narrative:
I have submitted multiple disputes on XX/XX/year>2025 and XX/XX/year>2025 and formal requests to both the credit reporting agencies and the furnisher of this debt, and I continue to be ignored or given vague responses. 

The company is reporting a debt they claim I owe, but they have never provided full validation or required documentation that I have formally requested under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). Theyve only provided basic statements, which are not proof of liability, contract, or disbursement. No accounting ledger, original application, or lawful validation has been provided. 

I also submitted a FCRA 605B Identity Theft Block Request, which was either ignored or not processed correctly. This is a violation of FCRA 605B, which requires a consumer reporting agency to block information that is the result of identity theft.

Despite repeated efforts, I can not get a response from a live representative, and I am continually denied proper communication channels. This failure to investigate and refusal to honor federal law has caused emotional harm, XX/XX/XXXX, and financial limitations, as this account continues to report inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frain my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent XXXX XXXX OF XXXX # XXXX, XXXX Account XXXX  XXXX # XXXX XXXX Account XXXX  XXXX # XXXX XXXX XXXX  # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
In accordance with the Fair Credit Reporting act Convergent XXXX XXXX OF XXXX # XXXX, XXXX Account XXXX  XXXX # XXXX XXXX Account XXXX  XXXX # XXXX XXXX XXXX  # XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2025-07-30 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: AR

Complaint narrative:
I am filing this complaint regarding a charged-off account reported by XXXX  XXXX  that is inaccurate, unverifiable, and non-compliant with both federal law and XXXX XXXX reporting standards.

I disputed this account directly with XXXX  XXXX  and with the credit bureaus. Under FCRA 623 ( a ) ( 3 ), the furnisher must conduct a reasonable investigation when notified of a dispute. XXXX XXXX  failed to provide verification or any evidence of an investigation, violating both FCRA 611 and 623 ( a ). 

Additionally, under the XXXX XXXX format, charged-off accounts must follow strict reporting rules, including proper coding for compliance condition codes, accurate charge-off dates, balances, and payment history. This tradeline is not reporting within XXXX XXXX standards, which creates systemic inaccuracies in how the data is interpreted and scored by XXXX and XXXX XXXX. 

I also believe this is a potential violation of FACTA and FDCPA 809, as the debt is being reported without validation, and no proper response has been provided despite formal dispute letters being submitted.

This account is harming my creditworthiness, and XXXX  XXXX  has made no effort to meet its legal obligation to investigate, correct, or delete inaccurate information. 

I am requesting an immediate deletion of this account, or full verification with complete documentation showing a legal basis for reporting this 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 explanation
Consumer complaint received 2025-07-30 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: AR

Complaint narrative:
I am filing this complaint regarding a charged-off account reported by XXXX  XXXX  that is inaccurate, unverifiable, and non-compliant with both federal law and XXXX XXXX reporting standards. 

I disputed this account directly with XXXX  XXXX  and with the credit bureaus. Under FCRA 623 ( a ) ( 3 ), the furnisher must conduct a reasonable investigation when notified of a dispute. XXXX  XXXX  failed to provide verification or any evidence of an investigation, violating both FCRA 611 and 623 ( a ). 

Additionally, under the XXXX XXXX format, charged-off accounts must follow strict reporting rules, including proper coding for compliance condition codes, accurate charge-off dates, balances, and payment history. This tradeline is not reporting within XXXX XXXX standards, which creates systemic inaccuracies in how the data is interpreted and scored by XXXX and XXXX XXXX. 

I also believe this is a potential violation of FACTA and FDCPA 809, as the debt is being reported without validation, and no proper response has been provided despite formal dispute letters being submitted. 

This account is harming my creditworthiness, and XXXX  XXXX  has made no effort to meet its legal obligation to investigate, correct, or delete inaccurate information. 

I am requesting an immediate deletion of this account, or full verification with complete documentation showing a legal basis for reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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