vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian, Equifax, and TransUnion Credit Bureaus. I am requesting once again for the removal of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX XXXX Balance {$5400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$10000.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 formally request the deletion of my XXXX XXXX records from XXXX and the associated federal databases due to a recent data breach and the subsequent reporting of inaccurate information regarding my loan amounts. 
I became aware that my personal information and student loan data may have been compromised as a result of a data breach involving XXXX. Following this, I discovered that XXXX has reported incorrect loan balances and account details on my credit reports and XXXX XXXX XXXX records, which has adversely affected my creditworthiness and financial standing. 

The reported loan amounts are inaccurate and do not reflect my actual loan balances. 
The data breach has compromised my personal and financial information, raising concerns about the integrity of the reported data. 
I have previously attempted to resolve these discrepancies directly with XXXX, but the issues remain unresolved.

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 2025-05-21 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: FL

Complaint narrative:
I am writing to formally request the deletion of my XXXX XXXX records from XXXX and the associated federal databases due to a recent data breach and the subsequent reporting of inaccurate information regarding my loan amounts. 
I became aware that my personal information and XXXX XXXX data may have been compromised as a result of a data breach involving XXXX. Following this, I discovered that XXXX has reported incorrect loan balances and account details on my credit reports and XXXX XXXX XXXX records, which has adversely affected my creditworthiness and financial standing. 

The reported loan amounts are inaccurate and do not reflect my actual loan balances. 
The data breach has compromised my personal and financial information, raising concerns about the integrity of the reported data. 
I have previously attempted to resolve these discrepancies directly with XXXX, but the issues remain unresolved.

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 2025-05-21 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: FL

Complaint narrative:
I am writing to formally request the deletion of my XXXX XXXX records from XXXX and the associated federal databases due to a recent data breach and the subsequent reporting of inaccurate information regarding my loan amounts. 
I became aware that my personal information and XXXX XXXX data may have been compromised as a result of a data breach involving XXXX. Following this, I discovered that XXXX has reported incorrect loan balances and account details on my credit reports and XXXX XXXX XXXX records, which has adversely affected my creditworthiness and financial standing. 

The reported loan amounts are inaccurate and do not reflect my actual loan balances. 
The data breach has compromised my personal and financial information, raising concerns about the integrity of the reported data. 
I have previously attempted to resolve these discrepancies directly with XXXX, but the issues remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request for Removal of Incorrect Addresses on My Credit Report Dear Sir/Madam, I am writing to formally dispute two addresses that are incorrectly reported on my credit report. These addresses do not belong to me, and I am requesting that they be immediately removed from my credit file. Below are the addresses in question : XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. Section 611 of the FCRA states that if a consumer identifies information on their credit report that is inaccurate, the credit reporting agency must investigate and correct the error within a reasonable timeframe. The FCRA further specifies that when a credit reporting agency fails to comply with its obligations, there are consequences for violations.

These addresses do not belong to me, and I request that they be removed immediately. I am also requesting written confirmation of the changes made to my credit report.

Please provide me with a copy of my updated credit report once these discrepancies have been addressed.

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 2025-05-21 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, On day XXXX, I looked at my report. I sent a letter to XXXX on day XXXXXX/XX/XXXX asking them to reinvestigate these accounts : XXXX, XXXX, XXXX and here is my tracking number : XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 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 shall- ( i ) promptly delete that item of information from the file of the consumer, ormodify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this ossuppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

TransUnion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2025-05-21 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: SC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: PA

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 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 2025-05-21 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$570.00} XXXX FEDERAL XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$410.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-05-21 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: Opportunity Financial, LLC
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reportedto be inaccurate.OPP LOANS XXXX Balance : {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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 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. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED AND FRAUDULENT INQUIERES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 US.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the burediu reporting these fraudulent accounts in my report and XXXX  has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
Im writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
XX/XX/year> XXXX AM - Called Hyundai XXXX XXXX requesting assistance on how to initiate title transfer for a leased vehicle. Spoke for XXXX minutes and was told to initiate the process online. 
XX/XX/year> XXXX AM - Called Hyundai XXXX XXXX again to confirm that the documents I had completed were correct. 
XX/XX/year> XXXX AM - Receive a text from Hyundai XXXX XXXX saying additional documents are required. Call again and am not told what documents are missing. 
XX/XX/year> - Called Hyundai XXXX XXXX and was told that all of my documents were correct and nothing was missing - agent told me he personally spoke with the title division to continue my process. 
XX/XX/year> - Checked Hyundai XXXX XXXX  website to find statement saying " The document ( XXXX ) received were invalid/incorrect due to the following : Missing/Incorrect documents ''. Was not notified by phone nor email about this.

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 2025-05-21 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: TN

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against American Express for their continued reporting and collection efforts related to a fraudulent account that I did not authorize or open. The account in question was charged off on XX/XX/year>, and has since been reported as delinquent, closed, and sent to collections despite my repeated efforts to have it removed as a result of identity theft. 

I have filed multiple disputes and provided extensive documentation, including : An FTC Identity Theft Report A signed affidavit affirming I did not open this account A copy of my government-issued ID Proof of residency Despite this, American Express has failed to remove the account and continues to report it to XXXX as delinquent and charged-off. More egregiously, the account was sent to a third-party collection agency, further damaging my credit and violating my rights under federal law.

Attempted Legal Action : I even filed a small claims lawsuit in Kentucky against American Express regarding this matter. Unfortunately, the case was dismissed due to being filed in the wrong court division. Despite this effort to resolve the issue through legal channels, American Express has still taken no corrective action.

Additionally, American Express has claimed the account was verified as mine yet has provided no documentation or substantiated proof that I opened this account. To date, they have failed to produce any signed contract, application, IP address log, or other verifiable evidence showing that I authorized this account.

Legal Violations : American Express is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ( where applicable through third-party collections ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Failing to properly investigate a dispute after being notified by a credit bureau .

15 U.S.C. 1681c-2 ( FCRA 605B ) Failing to block fraudulent tradelines after receiving identity theft documentation.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681n & 1681o Willful and/or negligent noncompliance with the FCRA, subjecting the furnisher to liability for actual and punitive damages.

15 U.S.C. 1692e & 1692f ( FDCPA ) Engaging in unfair or deceptive practices through continued collection efforts on a debt not owed.

Company response to consumer: Closed with non-monetary relief