vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: OH

Complaint narrative:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts, and their presence on my credit report is entirely unacceptable. This constitutes inaccurate and misleading information about my financial history. 

I take the integrity of my credit profile very seriously. The appearance of these unauthorized accounts is a significant concern, and I require immediate clarification regarding how they were linked to my name and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Upon reviewing my consumer credit reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. The payment history is inaccurate as it doesn't show 30 days late just starting at 60 days late. Also it says 150 past due, but on the history only shows 120 days. I have never missed a payment on the following account. XXXX XXXX XXXX XXXX XXXX  account ending in XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments, if unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: LA

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 explanation
Consumer complaint received 2025-07-31 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and inconsistent account information that is causing significant harm to my credit profile. 

What Happened : My credit report contains multiple accounts with inaccurate, inconsistent, or unverifiable information, including : Conflicting account statuses ( current vs. charged-off ) Inconsistent payment histories and delinquency dates Incorrect balances and credit limits Different last payment dates across the three major credit bureaus I have disputed these inaccuracies directly with the credit bureaus, but the information remains incorrect. This violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Requires a reasonable reinvestigation of disputed items and deletion of unverifiable information.

These reporting errors have negatively impacted my credit score, resulting in denials and higher interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and inconsistent account information that is causing significant harm to my credit profile. 

What Happened : My credit report contains multiple accounts with inaccurate, inconsistent, or unverifiable information, including : Conflicting account statuses ( current vs. charged-off ) Inconsistent payment histories and delinquency dates Incorrect balances and credit limits Different last payment dates across the three major credit bureaus I have disputed these inaccuracies directly with the credit bureaus, but the information remains incorrect. This violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Requires a reasonable reinvestigation of disputed items and deletion of unverifiable information.

These reporting errors have negatively impacted my credit score, resulting in denials and higher interest rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
I am filing this complaint against Equifax for repeatedly refusing to correct the inaccurate date of birth listed in my credit file. 

In XXXX, Equifax unilaterally changed my date of birth, citing that a " creditor '' reported a different birthdate. Since then, I have submitted over ten disputes each time providing multiple government-issued documents to confirm my actual, legal birthdate. These documents included my driver 's license, Social Security card, birth certificate, and additional forms of identity verification.

Despite this, Equifax has continued to ignore my documentation and failed to correct the error. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA 1681i ), which requires credit bureaus to reinvestigate and promptly correct inaccurate or incomplete information when a consumer provides proof. 

Under FCRA 1681e ( b ), credit reporting agencies are also required to follow reasonable procedures to assure maximum possible accuracy of consumer information. It is not reasonable for Equifax to rely on third-party furnishers over verified government-issued identification supplied directly by the consumer.

This inaccurate birthdate has now affected employment background checks, denied me access to credit, and is preventing me from receiving accurate credit evaluations. These errors are causing real and ongoing harm, and I am demanding immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Recently I looked at a copy of my credit report, and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 


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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-31 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX / Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Experian on multiple occasions to report this account, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, this account has already been deleted by other credit bureaus, as they were unable to verify it under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to this account from the company reporting it, and after more than XXXX XXXX  I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account 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 2025-07-31 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: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, XXXX XXXX and XXXX  alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  's inaction violates federal law and my rights as a consumer.

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 2025-07-31 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:
Can somebody Help ME! This is my second time reaching out for help and somehow it is not being taken seriously. I am a victim of the XXXX Data Breach of XXXX! All of my personal information was stolen by hackers and leaked all over the Dark Web! I recently reviewed my Credit report and noticed multiple fraudulent accounts on my report that I do not recognize. 

These accounts do not belong to me. They are fraudulent! XXXX  made a terrible mistake and now Im suffering for it. I fear for my life because these criminals know my address! Please remove it from my credit report because it is stopping me from obtaining credit causing a severe disruption in my life. Remove within 4 Business Days According to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint of the information below : Account Name and Account Number : XXXX Date XXXX Balance XXXX {$380.00} Account Name and Account Number : XXXX Date XXXX Balance : {$460.00}

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 2025-08-01 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: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint to formally report multiple inaccurate, misleading, and unauthorized entries currently being reported on my credit file by the credit reporting agencies. This is my second attempt to resolve these matters, but I have received no legitimate resolution. These errors are causing ongoing harm to my financial stability, access to credit, and peace of mind. 
I demand an immediate, lawful reinvestigation and removal of the following inaccurate, misleading, unverifiable, or legally invalid entries listed below : XXXX Acct # : XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/year> | Balance : {$0.00} | Status : Late Payment * * Issue : This account is showing late payment reporting even after the balance is shown as {$0.00}, which is contradictory and misleading. 
Law : FCRA 623 ( a ) ( 2 ) demands that furnishers update and correct inaccurate or incomplete data. 
Story : I completed my obligations on this account long ago, and continuing to reflect late payments without balance is damaging and unnecessary. 
Requested Resolution : Immediate deletion of the above accounts and inquiries from all credit bureaus. 
Full investigation with proof of verification. 
Confirmation of completion and results provided to me in writing. 
I am attaching copies of my credit reports and supporting documentation. I am also preparing to submit this matter to the Federal Trade Commission ( FTC ) and my state Attorney Generals Office if no satisfactory resolution is achieved. 
Please treat this complaint with urgency and integrity. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
On XX/XX/XXXX, I discovered a fraudulent XXXX XXXX XXXX credit card account on my Equifax credit report, which I did not authorize as an authorized user, indicating identity theft or error. The account, reported as pays as agreed with a {$3500.00} high credit amount exceeding the {$3000.00} limit as of XX/XX/XXXX, was unknown to me until I reviewed my credit report. I filed my first dispute with Equifax via their online portal on XX/XX/XXXX, and sent a dispute letter via certified mail, demanding verification and deletion of the account due to its fraudulent nature. Equifax failed to correct the inaccuracies or provide verification within 30 days, violating the Fair Credit Reporting Act, FCRA, as follows : 1681e.b : Failing to ensure accuracy by reporting an unauthorized account. 1681i.a.1 : Failing to conduct a reasonable investigation. 1681i.a.5 : Failing to delete unverifiable information. 1681c-1 : Failing to handle identity theft reports. CFPA 5536 : Engaging in unfair practices, per the CFPB 's XXXX findings. This account risks further identity theft and potential credit damage.

Company response to consumer: Closed with non-monetary relief