vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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 writing in response to your recent reply regarding my identity theft dispute submitted via the CFPB Complaint Portal. Unfortunately, I am deeply dissatisfied with the handling of my case. I reported fraudulent and unauthorized credit inquiries and accounts that have appeared on my credit reportyet your investigation has resulted in a refusal to remove these items, despite the fact that I clearly indicated these are due to identity theft and were not initiated or authorized by me. 

Let me reiterate the fraudulent items currently affecting my credit file : XXXX. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulent Account : XXXX XXXX Opened : XX/XX/year> Closed : XX/XX/year> Balance : {$2200.00} Your response stated that inquiries are a matter of fact and not routinely removed. However, I am not making a routine disputeI am reporting fraud. I was the victim of identity theft, and under the Fair Credit Reporting Act ( FCRA ), Section 605B, I am entitled to have all information resulting from identity theft blocked from my credit report within XXXX business days of providing the necessary documentation.

Per the FCRA : 15 U.S. Code 1681c2 ( Section 605B ) A consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX business days of receiving : Proper proof of the consumers identity, A police report or FTC Identity Theft Report, The identification of the fraudulent information, and A statement from the consumer that the information is not related to any transaction they made. 

I am not required to contact the creditors directly when it comes to blocking fraudulent information from my file. That responsibility lies with you under federal law once I submit the necessary identity theft documentation. 

If you continues to retain and report these fraudulent inquiries and accounts, despite my clear dispute and supporting documentation, it may be in violation of the FCRA and subject to enforcement actions by the CFPB and FTC. I request the immediate deletion of : All unauthorized hard inquiries, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, and XXXX XXXX The fraudulent XXXX account showing a {$2200.00} balance. 

I also request a written confirmation of these deletions within XXXX calendar days of receipt of this letter. I am fully prepared to escalate this matter further, including submitting additional complaints to the CFPB, FTC, and State Attorney Generals Office, should this request be ignored. 

Please take this matter seriously. The continued reporting of fraudulent activity is causing me significant harm and distress. If additional documentation is needed, I am more than willing to provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MA

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 XXXX  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 2025-06-19 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: WA

Complaint narrative:
I am a victim of identity theft and previously submitted an FTC Identity Theft Report to Experian, requesting a block of a fraudulent XXXX XXXX account under FCRA 605B . Experian deleted the account in XX/XX/year>. However, in XX/XX/year>, the account was reinserted into my credit file without notice, violating FCRA 611 ( a ) ( 5 ) ( B ), which requires written notification within 5 business days. 

As a result of this illegal reinsertion, my FICO XXXX score dropped over XXXX points. I have since been denied credit and suffered material harm. Experian has not provided a method of verification or valid explanation. I have included my full documentation, including FTC report, breach evidence, credit score drop screenshots, and a notarized pre-litigation demand for deletion and damages. 

I am requesting that Experian ( 1 ) immediately delete the XXXX XXXX  , ( 2 ) provide a full method of verification under FCRA, and ( 3 ) compensate for actual and statutory damages as outlined in FCRA 616617 . XXXX XXXX has also been notified. 

Failure to resolve this promptly will result in litigation.

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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Inaccurate Reporting of Late Payments and Failure to Provide Verification I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the continued inaccurate reporting of late payments on my credit report. I am submitting this complaint on my own behalf as a natural person, and not through a third party.

More than 35 days ago, I submitted a dispute with the credit reporting agency regarding billing errors on my account. To date, I have not received any valid documentation verifying that the late payments reported are accurate.

This issue falls under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1666 ( b ), which outlines billing errors, including but not limited to : Failure to properly credit a payment Computation or accounting errors Failure to send proper billing notice ( 21 days ) before late fees or delinquency reporting Despite my formal dispute, the following accounts continue to reflect late payments without any supporting documentation from the furnishers. This is a violation of both the FCBA and the FCRAs requirement for fair and accurate consumer reporting.

Disputed Accounts : XXXX XXXXXXXX Late Payment ( Open ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX Late Payment ( Open ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX Late Payment ( Open ) Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information regarding 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 2025-06-19 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: IL

Complaint narrative:
Dear Equifax, In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally disputing multiple unauthorized credit inquiries that appear on my credit report, and I am also requesting the correction of inaccurate personal information. 
Unauthorized Credit Inquiries The following inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, for the following reasons : 15 U.S.C. 1681 Section 602A Establishes my right to privacy regarding the use and distribution of my credit file.

15 U.S.C. 1681 Section 604 A ( 2 ) States that a consumer reporting agency may not furnish a report without the consumers written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibits reporting any adverse item older than XXXX years.

15 U.S.C. 1681s-2 ( a ) Prohibits any person from knowingly furnishing inaccurate or unverifiable information.

These inquiries were not authorized by me and are not linked to any open or approved accounts. I respectfully request that you remove the following inquiries from my credit file : XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXXXX/XX/year> Thank you for your prompt attention to this matter. I expect confirmation of your investigation within the time required by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX was exposed in a data breach that leaked the data of over XXXX people. I have reason to believe that I was part of the data breach in which my personal information was leaked. I have reached out to them to place a credit freeze and obtain a copy of my report, but without success. 

LexisNexis is also not thoroughly and accurately investigating disputes. They are just returning them as verified. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you conduct an immediate investigation and provide direct verification of the bankruptcy filing from the original source. The court has confirmed that it does not report bankruptcies to credit bureaus, as stated in the official correspondence from the Clerk of the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercury Financial Intermediate LLC
State: MI

Complaint narrative:
USC CODE 1666b state you need to validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. The following information on my credit report is the result of identity theft and should be blocked :
Fraudulent Accounts to Be Removed : 1. ACCOUNT DETAILS : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance Owed : {$0.00} Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action.

Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation.

Sincerely, 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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-19 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 XXXXXX/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 2025-06-19 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximun possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) prompty delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
Summary of Issue : This is a formal consumer complaint regarding multiple inaccurate, incomplete, outdated, and unverifiable accounts reported by Experian on my consumer credit report dated XX/XX/year>. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these accounts remain improperly listed on my credit report. Experian has either failed to conduct a reasonable reinvestigation or continued reporting unverifiable and inaccurate data, in violation of several provisions of the FCRA.

Details of Disputed Accounts : The following accounts are improperly listed : 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 Violations of Federal Law : These negative accounts violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) : Experian failed to maintain maximum possible accuracy in reporting consumer information. Many of these accounts reflect inaccurate balances, payment histories, inconsistent charge-off amounts, and unverifiable debts.

15 U.S.C. 1681i ( a ) : Experian failed to conduct a proper reinvestigation of disputed information within 30 days and continued reporting unverifiable or inaccurate accounts.

15 U.S.C. 1681c ( a ) : Several accounts, including charge-offs and collections, are obsolete under the FCRAs 7-year reporting limitations and should no longer appear on my consumer report.

15 U.S.C. 1681s-2 ( b ) : Data furnishers failed to conduct proper investigations upon notice of dispute and did not report updated or corrected information to Experian.

Impact on Consumer : These inaccuracies have severely damaged my creditworthiness, resulting in denials of credit, higher interest rates, and reputational harm. Despite prior attempts to resolve these disputes directly with Experian, the agency has failed to remedy the reporting violations.

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 2025-06-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief