vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
I am submitting this follow-up because Experian, Equifax, and TransUnion have not corrected or removed inaccurate, unverifiable, and unauthorized items on my credit reports despite my previous disputes. My credit history continues to be misrepresented, damaging my creditworthiness in violation of the Fair Credit Reporting Act ( FCRA ). 
The following inaccurate or unverifiable addresses are still listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My correct address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
Charge-off and account errors continue to appear, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$340.00} ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$9900.00} ) ; XXXX XXXX XXXX XXXX {$30000.00} ) ; and XXXX ( {$10000.00} ). Fraudulent or identity theft-related collections include XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8700.00} ), XXXX XXXX XXXX XXXX {$760.00} ), XXXX XXXX XXXX XXXX XXXX ( {$380.00} ), XXXX XXXX XXXX XXXX XXXXXXXX ( {$370.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$160.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Unauthorized inquiries remain from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under FCRA 604 ( a ) ( 3 ), 605B, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), I have the right to have inaccurate, unverifiable, or identity theft-related accounts removed and unauthorized inquiries deleted.

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 2025-09-11 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 urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-09-11 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: GA

Complaint narrative:
I was trying to purchase a vehicle when I was notified of the delinquent accounts on my credit and that's when I reported them. I requested to have them removed, but nothing has happened yet and this was in XXXX. I am requesting they get removed immediately to prevent further action from myself to litigate this error on my credit report.

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 2025-09-11 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: GA

Complaint narrative:
I was trying to purchase a vehicle when I was notified of the delinquent accounts on my credit and that's when I reported them. I requested to have them removed, but nothing has happened yet and this was in XXXX. I am requesting they get removed immediately to prevent further action from myself to litigate this error on my credit report.

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 2025-09-11 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Early Warning Services, LLC
State: FL

Complaint narrative:
The company called XXXX  XXXX  and early warning systems has information on my consumers report that is fraudulent and not valid. In XX/XX/year> I become a victim of identity theft and someone opened bank account in my name and Ive been trying to get these items removed from my credit report. I have filed a police report with my local police department and alerted all of the credit bureaus about my situation. I tried to reach out to both companies in the past but I didnt get a resolution. I will attach a copy of the police report I filed due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: LEXISNEXIS
State: FL

Complaint narrative:
The company called XXXX  XXXX  and XXXX XXXX XXXX has information on my consumers report that is fraudulent and not valid. In XX/XX/year> I become a victim of identity theft and someone opened bank account in my name and Ive been trying to get these items removed from my credit report. I have filed a police report with my local police department and alerted all of the credit bureaus about my situation. I tried to reach out to both companies in the past but I didnt get a resolution. I will attach a copy of the police report I filed due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-09-11 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 situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX Furnace XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX To Whom It XXXX Concern, I am filing a formal dispute concerning inaccurate information being reported by TransUnion on my XXXX Bank account. This reporting contains serious factual and legal deficiencies that violate the Fair Credit Reporting Act ( FCRA ). 

The account is being reported with future-dated balances and credit limits from XX/XX/XXXX through XX/XX/XXXX, which is impossible. Credit reporting must reflect accurate historical data only. In addition, my file shows both a balance and past due amount of {$1900.00} for XXXX and XX/XX/XXXX, even though the account was already closed and charged off years earlier. Once an account is closed, there should be no new balances, credit limits, or past-due entries. 

Furthermore, the remarks field lists, which is clearly a coding or formatting error, not a valid credit reporting notation. Such errors are misleading and demonstrate unreliable data handling. 

These actions violate FCRA XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy, and FCRA XXXX ( a ), which requires reinvestigation of disputed items. 

I demand immediate reinvestigation and correction. Please remove all inaccurate late payment entries, delete any future-dated balances, and correct this account to reflect only accurate, verifiable information. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : 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 2025-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

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 2025-09-11 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: NE

Complaint narrative:
XXXX XXXX billed us for a month after we discontinued our service, then put it on our TransUnion credit report when we refused to pay. TransUnion did nothing other than ask XXXX XXXX if they billed us when they investigated the dispute. XXXX  also makes it impossible to discontinue their service unless you do it by phone and we got put on hold for over XXXX minutes when we attempted to discontinue service. That was after customer service representatives hung up on us XXXX  times when we attempted to discontinue service. The representative then had to read us a XXXX minute " we want you back '' statement before she would even start the process of discontinuing the service. And we were stuck with disposal of their equipment. 
Our credit report had been spotless for XXXX  years before this incident with 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 2025-09-11 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am requesting an immediate of adding of XXXX  on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
Credit collection services {$250.00} XXXX reported XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion continue to report inaccurate and unverifiable information on my credit files despite my rights under the Fair Credit Reporting Act ( FCRA ). These errors are damaging my creditworthiness and remain unresolved even after my previous disputes. 
Several addresses are being falsely reported across all three bureaus, including XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. These addresses are not connected to me in any way and must be deleted. My correct and only current address is XXXX XXXX XXXX, XXXX, SC XXXX. Under FCRA XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( b ), I have the right to know what identifying information is in my file, to have inaccurate or unverifiable information deleted or corrected within XXXX  days, and to expect maximum possible accuracy in reporting. 
In addition, both Experian and Equifax continue to report a XXXX  XXXX account ending in XXXX with a balance of {$0.00}, while all XXXX bureaus are reporting a XXXX  XXXX account ending in XXXX, also with a {$0.00} balance. These are listed as charge-offs, but since they carry XXXX balances they do not represent valid debts. Reporting them in this way is misleading, unverifiable, and should result in their removal under FCRA XXXX. 
My credit files are also being harmed by multiple collection accounts that are inaccurate, unverifiable, or the result of identity theft. Experian reports accounts from XXXX XXXX XXXX for {$760.00}, XXXX. XXXX XXXX XXXX XXXX for {$380.00}, XXXX XXXX XXXX for XXXX for {$370.00}, and XXXX XXXX XXXX for XXXX XXXX XXXX for {$160.00}. Equifax reports XXXX XXXX XXXX for {$760.00}, XXXX XXXX XXXX for {$370.00}, and XXXX XXXX XXXX for {$160.00}. TransUnion reports XXXX XXXX XXXX for {$760.00}, XXXX XXXXXXXX  for {$380.00}, XXXX XXXX XXXX for {$370.00}, and XXXX XXXX XXXX for {$160.00}. Under FCRA XXXX, accounts resulting from identity theft must be blocked when disputed, and under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. FCRA XXXX ( b ) further requires all reporting to be accurate and complete.

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 2025-09-11 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Permissible Purposes of XXXX XXXX, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I XXXX authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. XXXX and remove it. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}

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 2025-09-11 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX 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. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-09-11 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief