vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 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 2025-08-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
Experian has produced multiple versions of my credit report on the same date that show conflicting, inaccurate, and unverifiable information. This demonstrates systemic noncompliance with FCRA accuracy requirements. 

XXXX. Wrong identifiers : Reports show false names and addresses not belonging to me. These create a mixed-file identity risk and violate FCRA 1681e ( b ). 

XXXX. Inconsistent accounts : The same tradeline is reported under different names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also appear inconsistently. These contradictions prove accounts are unverifiable. 

XXXX. Old/incorrect statuses : Certain accounts are listed as charged-off, closed, or in collections in one version, but absent or different in another. This violates FCRA 1681e ( b ) and 1681c. 

XXXX. Unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) pulled hard inquiries without permissible purpose, violating FCRA 1681b. 

Requested Resolution : Permanent deletion of all wrong names, addresses, duplicate/unverifiable accounts, and unauthorized inquiries. Correction of my file to reflect only accurate information. Updated report free of errors. Written Method of Verification for anything Experian claims to have verified. Because of the identity risks and conflicting reports, I request expedited deletion within 7 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of XXXX  and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me XXXX. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late payment notations on XXXX open accounts listed in my credit report. After thoroughly reviewing my credit file, I have identified entries indicating late payments that do not accurately reflect my payment history or financial activity. These late payments are either incorrectly reported or are the result of clerical or processing errors, and as such, I believe they need to be carefully investigated and rectified. The XXXX accounts in XXXX XXXX  and XXXX XXXX XXXX both listed as having late payments, which is inaccurate. These late payment notations do not align with my actual payment history or any communication I received regarding these accounts. In some cases, the reported late payments may have been the result of a minor delay in processing or a temporary issue, such as a payment being applied incorrectly, which does not justify a derogatory mark on 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 non-monetary relief
Consumer complaint received 2025-08-28 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: OR

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me XXXX  and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
On XX/XX/year>2025, I disputed an inaccurate collection account from XXXX XXXX XXXX  that is being reported by TransUnion. 

Under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), TransUnion was required to complete a reasonable reinvestigation and provide verification within 30 days ( by XX/XX/year>2025 ). Despite this, TransUnion did not provide any documentation showing the debt was valid or that I am responsible for it. 

I also sent a Debt Validation Letter to XXXX XXXXXXXX XXXX and a Method of Verification ( MOV ) Letter to TransUnion, both of which were received ( with XXXX proof ). Neither party provided the required verification. 

On XX/XX/year>2025, TransUnion marked the item as Verified as Reported, but no evidence was ever provided to me. The furnisher ( XXXX XXXX XXXX XXXX has also confirmed they have no record of me in their system. 

Because TransUnion has failed to verify the account, failed to respond properly within the legal timeframe, and the furnisher can not locate any record, this collection account must be immediately removed from my TransUnion credit report for failure to comply with federal law. 

Attachments include dispute letters, XXXX confirmations, and my final demand notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several fraudulent accounts being reported on my Equifax credit file. These accounts were opened without my knowledge or consent and are the result of identity theft. 

The following accounts are inaccurate and unverifiable : XXXX XXXX | Acct # XXXX | Balance : {$3000.00} XXXX XXXX | Acct # XXXX | Balance : {$3400.00} XXXX  | Acct # XXXX | Balance : {$10000.00} Achieve Personal Loans | Acct # XXXX | Balance : {$19000.00} XXXX XXXX XXXX | Acct # XXXX | Balance : {$1700.00} XXXX XXXX XXXX | Acct # XXXX | Balance : {$1700.00} XXXX XXXX XXXX | Acct # XXXX | Balance : {$3400.00} Legal Basis for Deletion Identity Theft FCRA 605B ( 15 U.S.C. 1681c-2 ) I have submitted an Identity Theft Report with the Federal Trade Commission and can provide it upon request. The FCRA requires that fraudulent information be blocked from a consumers credit file within XXXX ( XXXX ) business days of proper notice. 

Lack of Permissible Purpose FCRA 604 ( 15 U.S.C. 1681b ) Since I did not authorize or open these accounts, no permissible purpose existed to access or report this information.

Right to Documentation FCRA 609 ( 15 U.S.C. 1681g ) I am requesting copies of original applications or contracts bearing my wet-ink signature. Electronic or generic system records do not satisfy the legal standard for identity theft disputes.

Method of Verification FCRA 611 ( 15 U.S.C. 1681i ) I request the complete description of the procedures used to verify these accounts, including the business name, address, and contact information of the furnishers. The use of automated responses ( e.g., e-Oscar/ACDV ) without deeper review does not meet the standard of a reasonable investigation, as affirmed in Cushman v. Trans Union Corp. , 115 F.3d 220 ( 3d Cir. 1997 ).

Failure to Reinvestigate Case Law Courts have held that CRAs must go beyond the furnishers word when legitimacy is in question ( Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) ). Continuing to report unverifiable or fraudulent data may constitute willful noncompliance under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I see there is a XXXX XXXX account that was opened up for collection 's on my credit report, It is new and Im trying to figure out why it is in my credit report when Ive never had an XXXX XXXX  plane. Ive had XXXX XXXX for over a year now and can provide my receipts to show Ive had XXXX XXXX XXXX  as my XXXX provider. I would like this account to be removed off my credit report as I do not know what this account is or who it belongs to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NV

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
I sent a letter disputing the validity of this debt in its entirety and request that they provide proper validation based on the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g to which I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
TransUnion is willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, by failing to block fraudulent accounts from my credit file within the 4-business-day deadline mandated by federal law. 

I am a victim of identity theft and submitted a complete dispute package to TransUnion, which included : FTC Identity Theft Affidavit Police Report Government-issued identification Proof of residence Copies of fraudulent accounts in question TransUnion received my package on XX/XX/year> ( see attached XXXX delivery confirmation ) but is continuing to report multiple fraudulent accounts on my credit file. 

TransUnions Noncompliance On XX/XX/year>, I received an email from TransUnion ( attached ) confirming receipt of my dispute but stating that the investigation can take up to 30 days. 

This is a direct violation of 15 U.S.C. 1681c-2 ( a ), which states : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of the information required under subsection ( b ). 

I provided all required documents under subsection ( b ), yet TransUnion continues to : Report fraudulent accounts Fail to block identity theft-related tradelines Stall resolution by falsely claiming they have 30 days Fraudulent Accounts Still Being Reported TransUnion is improperly reporting the following fraudulent accounts despite receiving my identity theft documentation : XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are the result of identity theft. I am not legally liable for them, and TransUnion is required by law to block them 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 2025-08-28 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX Balance {$0.00} XXXX XXXX - Date Opened XX/XX/XXXX XXXX Balance {$3400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These hard inquiries dont belong to me, hasn being authorized by me and has to be removed. Also this as well. Thanks inquiries : 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 XXXXXXXX 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.

The accounts below have violated my rights.

15 U.S.C. 1681 section 602A. 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than XXXX years 15 U.S.C. 16815-2 ( A ) ( a ) 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 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