vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
I am formally disputing the accuracy and integrity of the following accounts listed on my credit report. These accounts are reporting information that is inaccurate, misleading, duplicated, or unverifiable and therefore are in violation of the Fair Credit Reporting Act ( FCRA ). 
Please conduct a full reinvestigation of each account and provide written verification from the original creditors or remove the inaccurate data within 30 days, per FCRA 611 ( 15 U.S.C. 1681i ). 

Accounts in Dispute : XXXX. XXXX XXXX XXXXXXXX XXXX Reporting 120+ day late status on an active mortgage with conflicting history Violation : Inconsistent reporting ( 90-day lates reported differently between bureaus ), misleading derogatory comments, FCRA 1681e ( b ) 2. XXXXXXXX XXXX XXXX Reporting charge-off with late payments, dispute resolved without documentation Violation : Lack of proper reinvestigation under 1681i, failure to verify under 1681s-2 ( b ) 3. XXXX XXXX XXXX XXXXXXXX & XXXX Reporting heavy derogatories, unresolved dispute notes, and past due balances after closure Violation : 1681s-2 ( b ) ( inaccurate furnishings ), 1681c ( reporting beyond statute of limitations if delinquency >7 years ) XXXX. XXXX XXXX XXXX XXXXXXXX Reporting high balance ( $ XXXX ) on a charged-off account no payment history shown Violation : 1681e ( b ) ( incomplete data ), potential misreporting of credit utilization XXXX XXXX XXXX XXXXXXXX XXXX Showing multiple XXXX lates and charged off despite closure at grantors request Violation : Conflicting reporting, potential data suppression 1681s-2 ( b ) and 1681e ( b ) XXXX. XXXX XXXX XXXX XXXX XXXX Dispute resolved but lates and charge-off remain ; inaccurate balance details Violation : Failure to properly update after dispute, FCRA 1681i & 1681s-2 ( b ) XXXX. XXXXXXXX XXXX XXXX Installment and revolving data conflict ; reporting as both account types Violation : Mixed file/duplicate tradelines FCRA 1681e ( b ) 8. XXXX XXXX XXXX XXXX XXXX Charged off account with inconsistent lates and no final verification Violation : XXXXXXXX XXXX XXXX XXXX ( accuracy ), XXXX ( furnisher compliance failure ) XXXX. XXXX XXXX XXXX / XXXX XXXX Showing 9x 90-day lates high severity for recent loan ; dispute history unresolved Violation : 1681s-2 ( b ) no documentation provided to justify derogatories 10. XXXX XXXXXXXX XXXX XXXXXXXX & XXXX Multiple 90-day lates ; one account shows as open but is charged off Violation : Inconsistent status across bureaus, duplicate reporting FCRA 1681e ( b )

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 2025-04-08 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:
I am formally disputing the accuracy and integrity of the following accounts listed on my credit report. These accounts are reporting information that is inaccurate, misleading, duplicated, or unverifiable and therefore are in violation of the Fair Credit Reporting Act ( FCRA ). 
Please conduct a full reinvestigation of each account and provide written verification from the original creditors or remove the inaccurate data within 30 days, per FCRA 611 ( 15 U.S.C. 1681i ). 

Accounts in Dispute : XXXX. XXXX XXXX XXXXXXXX XXXX Reporting 120+ day late status on an active mortgage with conflicting history Violation : Inconsistent reporting ( 90-day lates reported differently between bureaus ), misleading derogatory comments, FCRA 1681e ( b ) 2. XXXXXXXX XXXX XXXX Reporting charge-off with late payments, dispute resolved without documentation Violation : Lack of proper reinvestigation under 1681i, failure to verify under 1681s-2 ( b ) 3. XXXX XXXX XXXX XXXXXXXX & XXXX Reporting heavy derogatories, unresolved dispute notes, and past due balances after closure Violation : 1681s-2 ( b ) ( inaccurate furnishings ), 1681c ( reporting beyond statute of limitations if delinquency >7 years ) XXXX. XXXX XXXX XXXX XXXXXXXX Reporting high balance ( $ XXXX ) on a charged-off account no payment history shown Violation : 1681e ( b ) ( incomplete data ), potential misreporting of credit utilization XXXX XXXX XXXX XXXXXXXX XXXX Showing multiple XXXX lates and charged off despite closure at grantors request Violation : Conflicting reporting, potential data suppression 1681s-2 ( b ) and 1681e ( b ) XXXX. XXXX XXXX XXXX XXXX XXXX Dispute resolved but lates and charge-off remain ; inaccurate balance details Violation : Failure to properly update after dispute, FCRA 1681i & 1681s-2 ( b ) XXXX. XXXXXXXX XXXX XXXX Installment and revolving data conflict ; reporting as both account types Violation : Mixed file/duplicate tradelines FCRA 1681e ( b ) 8. XXXX XXXX XXXX XXXX XXXX Charged off account with inconsistent lates and no final verification Violation : XXXXXXXX XXXX XXXX XXXX ( accuracy ), XXXX ( furnisher compliance failure ) XXXX. XXXX XXXX XXXX / XXXX XXXX Showing 9x 90-day lates high severity for recent loan ; dispute history unresolved Violation : 1681s-2 ( b ) no documentation provided to justify derogatories 10. XXXX XXXXXXXX XXXX XXXXXXXX & XXXX Multiple 90-day lates ; one account shows as open but is charged off Violation : Inconsistent status across bureaus, duplicate reporting FCRA 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-08 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: NC

Complaint narrative:
I am writing to formally dispute and request the deletion of a late payment entry currently being reported on my credit file. This request is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1666b

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 2025-04-08 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: CA

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 2025-04-08 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: RI

Complaint narrative:
This is now the third time I am doing this as Transunion keeps saying the FTC report was incorrect. I am attaching a new on along with police report as well as all other documentation needed. I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning fraudulent accounts that have appeared on my consumer credit report. Upon reviewing my report, I have discovered several accounts which I do not recognize and believe to be the result of identity theft and fraud. The affected accounts are associated with the following companies and account numbers : XXXX XXXX XXXX Account Number XXXX {$2500.00} XXXX XXXX XXXX Account Number : XXXX {$950.00} XXXX XXXXXXXX Account Number : XXXX {$850.00} XXXX XXXX Account Number : XXXX {$820.00} XXXX XXXX XXXX Account Number XXXX {$1000.00} I have not authorized or opened any of these accounts, leading me to believe that my identity has been compromised. Furthermore, I have numerous notations from credit reporting companies that my information was discovered on the dark web. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent accounts be immediately removed from my consumer credit reports. Additionally, I ask that all collection activities related to these accounts be halted. I kindly ask that appropriate actions be taken to investigate these accounts and remove them from my credit reports as soon as possible. Furthermore, I would appreciate being informed of any steps I can take to expedite the removal process. Thank you for your attention to this matter, and eagerly anticipate your assistance in resolving this issue. I request, pursuant to FCRA 605B ( 15U.S.C.1681c-2 ), that TRANSUNION credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via mail.

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 2025-04-08 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: KY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-08 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: KY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MI

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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$21000.00} INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
The following address is on my credit file and it doesnt belong to me. I have tried to have it updated. It needs to be removed asap. 

This is not my address and it needs to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2025-04-08 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: FL

Complaint narrative:
To : Dispute Department Date : XX/XX/XXXX Subject : Credit Report Inaccuracy Dispute Dear Dispute Department, I am writing to formally dispute inaccurate information I found on my credit report, which I reviewed on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information. However, I have identified the following accounts that contain incomplete or incorrect data : XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

The information reported for these accounts is not accurate or complete. Therefore, I respectfully request that you conduct an investigation and make the necessary corrections. Please provide a written response, including the results of your investigation and the sources you used to verify the disputed information. 

Attached are copies of my credit report and relevant supporting documents for your review. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CELL ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
XX/XX/XXXX All accounts below have no address attached and was fraudulent and needs to be removed! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX are not only illegal and inaccurate but both of these frivolous accounts is past the statue of reporting. This is illegal on the credit bureau and the company itself. Please remove these accounts from my report asap! 

***XXXX XXXX XXXXXXXX Balance {$6200.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX Balance {$11000.00} Date Opened XX/XX/XXXX **** The account below is not attached to any of my addresses on file and thus yet is also illegal. All these accounts needs to be removed asap! 

XXXXXXXX XXXX XXXXXXXX Balance {$1500.00} Date Opened XX/XX/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 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I filed a dispute through Cash App around XX/XX/year>, which was denied at the time due to an error in the companys process. XXXX years later, I received notice that the dispute was resolved in my favor. Unfortunately, the account that initiated the dispute has since been closed when I lost the dispute initially, and Cash App has not provided any way for me to access the refunded funds despite multiple attempts to resolve the issue. As of the time Im writing this complaint, Cash App is currently ran by the company Block , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. Please remove these accounts from my report as it is hurting my ability to obtain credit. 

inquiries 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief