vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a formal complaint against [ XXXXTransUnion XXXX for reporting inaccurate, incomplete, and unverifiable information on my credit report. 

I sent a legal dispute letter dated XX/XX/year>, citing violations under the FCRA 1681i, 1681e ( b ), 1681s-2 ; FDCPA 1692g ( b ) ; UCC 9-210 ; and accounting standards under GAAP and ASC 310 .

The letter requested deletion or validation of multiple accounts with issues such as : Charged-off accounts that lack full documentation Late payments reported after account closure Collections with no chain of title or original contracts These accounts remain on my report without proper validation. I am requesting that the CFPB hold this bureau accountable and compel them to delete all accounts not fully verified under federal law.

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 2025-08-06 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: LA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-06 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

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 explanation
Consumer complaint received 2025-08-06 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: TX

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-06 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:
These questions came unexpectedly and may lack proper authorization. Please review the attached documents immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-06 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: GA

Complaint narrative:
I am filing this complaint against TransUnion due to their continued failure to correct inaccurate and unverified information on my credit report, despite multiple disputes. I am now in my 8th round of formal disputes, and TransUnion has repeatedly verified accounts without conducting a proper investigation or providing any documentation from the original creditors. Several accounts remain on my credit report that are either inaccurate, outdated, duplicated, unverifiable, or the result of errors. These include XXXX  account number XXXX, which shows a balance of {$9700.00} and late payments with a date opened of XX/XX/XXXX ; XXXX  account number XXXX, listed as a charge-off with a high credit of {$500.00} and date opened XX/XX/XXXX ; XXXX  account number XXXX, charged off with a balance of {$780.00}, opened on XX/XX/XXXX ; XXXX  XXXX  account number XXXX, charged off with a balance of {$2400.00} and opened on XX/XX/XXXX ; XXXX XXXX  account number XXXX, a collection account tied to XXXX  XXXX XXXX  XXXX XXXX with a balance of {$860.00} and a date opened of XX/XX/XXXX ; another XXXX  account number XXXX with a balance of {$680.00} and a date opened of XX/XX/XXXX marked as charge-off ; and a second XXXX  XXXX  listing under account number XXXX again, opened on XX/XX/XXXX, showing past due payments with a XXXX balance. Additionally, there is an inaccurate public record showing a bankruptcy under the reference number XXXX ( XXXX XXXX XXXX  XXXX  XXXX ) that was never verified with the court, as required. On top of these, there are multiple unauthorized or unverified hard inquiries showing on my credit file from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, as well as from XXXX XXXX XXXX  dated XX/XX/XXXX, which I did not authorize. Lastly, there are wrong addresses listed that I have no connection with, including XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX  XXXX, GA XXXX, which do not belong to me and may have been added due to file merging errors. I have repeatedly requested TransUnion to delete or correct these items, but they continue to verify them without any proof or investigation, violating my rights under the Fair Credit Reporting Act. I am asking the CFPB to intervene and hold TransUnion accountable for these violations, and to ensure that all unverified and inaccurate data is permanently deleted from my 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A XXXX account has been reinserted onto my credit report without my knowledge or permission. This account is not mine and was previously disputed and removed due to documented identity theft. Under the FCRA ( Fair Credit Reporting Act ), if a previously deleted account is reinserted, the credit bureau is legally required to notify me in writing within XXXX business days of the reinsertion. I received no such notification, which is a direct violation of federal law. This reinsertion of inaccurate and fraudulent information has caused harm to my credit standing, and I am requesting immediate removal of the XXXX account XXXX my report. 

Furthermore, under Section XXXX of the FCRA, reinsertion of previously deleted data without following proper procedures may subject the furnishers and credit reporting agencies to penalties and legal consequences. I am demanding permanent deletion of this account and a reinvestigation into how and why this information was reinserted. Please consider this a formal dispute and request for resolution in accordance with FCRA and identity theft protection laws.

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 2025-08-06 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX  XXXX - Opened XX/XX/XXXX With a balance of {$32000.00} Account Number XXXX DPT ED XXXX - Opened XX/XX/XXXX With a balance of {$4600.00} Account Number XXXX DPT ED XXXX - Opened XX/XX/XXXX With a balance of {$2700.00} Account Number XXXX DPT ED XXXX - Opened XX/XX/XXXX With a balance of {$1700.00} Account Number XXXX DPT ED XXXX XXXX - Opened XX/XX/XXXX With a balance of {$2100.00} Account Number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-08-06 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:
I am filing a formal complaint against Experian for reporting inaccurate and unverified hard inquiries on my credit report. I noticed multiple inquiries on my report that I did not authorize or recognize. In good faith, I contacted the companies listed as having made the inquiries, and each one confirmed that they had no record of me applying for credit or authorizing any hard pull.

I then submitted three written disputes to Experian, requesting that the inquiries be investigated and removed. Over 90 days have passed, and Experian has failed to delete the inquiries or provide any documentation validating them. They did not fulfill their legal responsibility under the Fair Credit Reporting Act ( FCRA ) to investigate or provide proof of permissible purpose for these inquiries.

Experians refusal to remove unauthorized or unverifiable inquiries is a clear violation of FCRA 604 and 611. These false inquiries are negatively impacting my credit report and overall score. I am requesting the CFPB investigate Experians handling of my disputes and direct them to delete the unverifiable inquiries immediately.

I am also requesting copies of all information Experian used to verify the legitimacy of these inquiries and a formal explanation of their continued 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a formal complaint against [ XXXX XXXX for reporting inaccurate, incomplete, and unverifiable information on my credit report. 

I sent a legal dispute letter dated XX/XX/year>, citing violations under the FCRA 1681i, 1681e ( b ), 1681s-2 ; FDCPA 1692g ( b ) ; UCC 9-210 ; and accounting standards under GAAP and ASC 310 .

The letter requested deletion or validation of multiple accounts with issues such as : Charged-off accounts that lack full documentation Late payments reported after account closure Collections with no chain of title or original contracts These accounts remain on my report without proper validation. I am requesting that the CFPB hold this bureau accountable and compel them to delete all accounts not fully verified under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
To whom this may concern I have never opened any account with XXXX XXXX XXXX XXXX. Or XXXX lending. I also contacted each company directly and let them know I have never opened any account with them. I also never authorized anyone to use or access my information. At this time I would like both fraudulent accounts removed from my credit reports with equifax, XXXX as well as XXXX. I can be reached at the contact information provided in my report and complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
1. First and foremost transunion has two names for me. XXXX XXXX AND XXXX XXXX ll. My name is XXXX XXXX. It is illegal to have two names for report. 
2. All the credit agencies have three different inquiries total difference in all three. There is nothing the same on three reports so how can all three report all different inquiries. Therefore all three credit bureaus are 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 2025-08-06 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: CT

Complaint narrative:
This complaint concerns a late payment inaccurately reported on my credit file. I have maintained a consistent and timely payment history, and this entry is not aligned with the facts. The presence of this erroneous mark is negatively impacting my credit profile.

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 2025-08-06 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-06 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation