vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this statement because my credit report reflects inaccurate personal identifying information and incorrect account reporting that do not belong to me or are being reported inaccurately. 
XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXBalance : {$9300.00} XX/XX/XXXX & XXXX ( Original Creditor : XX/XX/XXXXBalance : {$5900.00} Under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers of information are prohibited from reporting data they know or should know is inaccurate. Furthermore, I am exercising my right under FCRA XXXX ( a ) to request a full reinvestigation of these entries. If the data furnishers or credit bureaus can not provide verifiable documentation that proves the accuracy and ownership of these accounts, they must be corrected or deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this statement because my credit report reflects inaccurate personal identifying information and incorrect account reporting that do not belong to me or are being reported inaccurately. 
XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXBalance : {$9300.00} XX/XX/XXXX & XXXX ( Original Creditor : XX/XX/XXXXBalance : {$5900.00} Under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers of information are prohibited from reporting data they know or should know is inaccurate. Furthermore, I am exercising my right under FCRA XXXX ( a ) to request a full reinvestigation of these entries. If the data furnishers or credit bureaus can not provide verifiable documentation that proves the accuracy and ownership of these accounts, they must be corrected or deleted 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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: OR

Complaint narrative:
I applied for a job for fed ex and they ran a background check on me and then withdrew the conditional offer because or first advantage background information. Its my twin sisters criminal charge that appears on my report. The only information that is mine is my first name everything else is hers. Including middle and last and case number and charge. Ive contacted first advantage several times to dispute and asked several times for dispute results and nothing has happened. Please help me resolve this issue thanks XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing several inaccurate accounts on my credit report that are reported as late, delinquent, or otherwise negative despite XXXX balances or incorrect payment history. These entries misrepresent my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 605B, 607 ( b ), 611 ( a ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ) I am requesting that all inaccurate information be corrected and that I receive written confirmation along with an updated copy of my credit report within the XXXX timeframe required by law. 
XXXX XXXX Balance : {$7.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$0.00} Date XXXX XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$3800.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last XXXX Late XXXX days XXXX XXXX XXXX/DOFED XXXX Balance {$130.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$1100.00} XXXX Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$3000.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$2100.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX LATE CLOSED : XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing several inaccurate accounts on my credit report that are reported as late, delinquent, or otherwise negative despite XXXX balances or incorrect payment history. These entries misrepresent my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 605B, 607 ( b ), 611 ( a ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ) I am requesting that all inaccurate information be corrected and that I receive written confirmation along with an updated copy of my credit report within the XXXX timeframe required by law. 
XXXX XXXX Balance : {$7.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$0.00} Date XXXX XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$3800.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6300.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last XXXX Late XXXX days XXXX XXXX XXXX/DOFED XXXX Balance {$130.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$1100.00} XXXX Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$3000.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$2100.00} Date Opened : XX/XX/XXXX XXXX/DOFED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX LATE CLOSED : XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Date 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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 usc XXXX. 
TransUnion account # : XXXX, XXXX, XXXX Equifax account # : XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 u.s.c XXXX section XXXX A. States I have a right to privacy. 
15 u.s.c XX/XX/XXXXsection XXXX A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c XXXX. ( a ) ( XXXX ) 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 XX/XX/XXXX years 15 u.s.c XXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 Trafficking-Debt Final Rule 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 605C 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) 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 2025-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: MN

Complaint narrative:
Habitat for Humanity homes for reach XXXX XXXX in all the banks in the state of Minnesota has denied me due to my benefits as well as all the Minnesota state first time homebuyers program, deny my income due to discriminatory factors that my income was non-taxable and was Social Security benefits, all the states and local mortgage and first time homebuyers programs deny my application due to them to strongly discriminating on the fact that they said that I was not working and I didnt have a job and because my income was solely all Social Security benefits due to my XXXX I feel this is slander. This is discriminatory and financial exploitation

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 2025-10-13 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: Home Loan Center, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, multiple unauthorized hard inquiries appeared on my XXXX XXXXXXXX credit report. These were made by XXXX XXXX ( representatives XXXX and XXXX ) and XXXX XXXX ( representative XXXX ). 

All three representatives explicitly confirmed in writing via email that the credit checks would be soft pulls only for rate-check and prequalification purposes. Despite these written assurances, XXXX recorded them as full hard inquiries, which materially damaged my business credit profile. ( XXXX XXXX XXXX XXXX XXXX ) I contacted XXXX requesting ( 1 ) the names of all companies that accessed my business file, ( 2 ) the authorization basis for each inquiry, and ( XXXX ) removal of all unauthorized hard pulls. XXXX has not provided this information or taken corrective action. 

These inquiries were made without my written consent and in direct contradiction to what the lenders represented. I request that the CFPB investigate XXXX XXXX, and XXXX for improper use of my business credit file, confirm the absence of proper authorization, and require removal of all unauthorized inquiries from my XXXX XXXXXXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account 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 2025-10-13 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXXXXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship. Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of XXXX violation and my demand for immediate corrective action

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