vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This suspected to be due to the Equifax data breach.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XXXX of XXXX, XXXX XXXX on 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. And inquiries such as XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-24 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: PA

Complaint narrative:
When I checked my credit report, I found that some of the information was still inaccurate. The credit bureau is obligated to confirm this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard this reporting account as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXXXXXX XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed as soon as possible.

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 2025-04-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This suspected to be due to the Equifax data breach.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XXXX of XXXX, XXXX XXXX on 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. And inquiries such as XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: PA

Complaint narrative:
When I checked my credit report, I found that some of the information was still inaccurate. The credit bureau is obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-24 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: NJ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-04-24 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:
Hello I ran a credit report and its showing Not accurate info. It is showing Multiple accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$2300.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$460.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$93.00} XXXX # XXXX XX/XX/XXXX -- {$460.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Unauthorized Inquiries I am sending this letter to dispute the following inquiries that are unauthorized. Please remove it from my Equifax credit report as soon as possible. I have never given my permission to report this information on my credit report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

XXXX XXXX XXXXL- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-24 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: 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 




NEGATIVE ACCOUNTS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-24 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: 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 




NEGATIVE ACCOUNTS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-24 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 looking at my credit report and i saw XXXX fraudulent inquiry. 
XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
Equifax is reporting an account on my credit report that has been legally cancelled and should no longer appear. The account, furnished by XXXX and partially referenced as XXXX, relates to a XXXX XXXX XXXX  and was officially cancelled through IRS Form 1099-C on XX/XX/XXXX, in the amount of {$19000.00}. 

Although this cancellation was submitted in prior disputes, Equifax failed to remove the account and has not provided the method of verification. This violates : 15 U.S.C. 1681e ( b ) : Inaccurate reporting of a cancelled debt 15 U.S.C. 1681i : Inaction after dispute with IRS transcript evidence 15 U.S.C. 1681s-2 ( b ) : No correction by the furnisher after notice 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to disclose the verification method 15 U.S.C. 1692e ( 8 ) : False communication regarding debt status 26 U.S.C. 6050P/ IRS Notice 2012-65 : Continuing to report a legally discharged debt This inaccurate account damages my creditworthiness and violates multiple federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding unauthorized and misleading credit reporting. I signed a lease with XXXX XXXX XXXX, which did not establish a tradeline or authorize credit reporting. Upon alleged termination, my data was reported by XXXX XXXX as a collection accountwithout my consent or any prior disclosure. 

This violates FCRA 604, 607 ( b ), and 611. It also appears to violate the FDCPA by misrepresenting the nature and legal status of the debt. I request a full investigation, removal of the inaccurate item, and sanctions or fines against both parties as appropriate. 
Furthermore, credit bureaus were originally designed and intended to assist lenders in assessing the creditworthiness of consumers based on their history of managing actual credit accounts. The primary function of these bureaus is to report data related to revolving credit accounts, loans, and other credit-based instruments, not to track or enforce private civil agreements like apartment leases unless those leases explicitly involved a credit agreement. By allowing non-credit contractual disputes to appear on consumer reports, the credit bureaus are misrepresenting the purpose and function of the consumer credit reporting system, and misleading future lenders into believing that a civil rental dispute represents a failure to pay on a credit obligation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-24 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 reviewed my Consumer Reports and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account ( XXXX XXXX ) : ( XXXX * * * * * * * * * * ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing a late payment reported on my credit file by my federal student loan servicer for the month of XX/XX/2025. During this time, to my understanding, my loan was in an active forbearance or deferment status, and I was not made aware of any payment obligation becoming due. I did not receive any communication or clear notice indicating that my loan had exited forbearance or that I was at risk of becoming delinquent. 

Due to the nature of federal loan servicing transitions and deferment/forbearance policies, particularly following the COVID-19 payment pause, I believe this late payment was either inaccurately reported or unfairly applied. My loan has otherwise remained in good standing, and this mark does not reflect my overall payment behavior or intent to comply. 

I am requesting that this negative entry be thoroughly investigated. If it can not be fully and accurately verified with documentation proving I was properly notified and that the account was not in a protected status, I respectfully ask that it be removed from my credit report in accordance with the Fair Credit Reporting Act.

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 2025-04-24 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: CA

Complaint narrative:
I was looking at my credit report and i saw XXXX fraudulent inquiry. 
XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: World Acceptance Corporation
State: CA

Complaint narrative:
I am a victim of identity theft and have alerted the companies/credit bureaus and nothing have happened/changed yet. it's alot of fraudulent accounts/activity reported on my credit. I filed a FTC report, and I request that my report investigated immediately and all inaccurate information be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TekCollect Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have alerted the companies/credit bureaus and nothing have happened/changed yet. it's alot of fraudulent accounts/activity reported on my credit. I filed a FTC report, and I request that my report investigated immediately and all inaccurate information be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation