vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 2025-06-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-18 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: VA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-06-18 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: TN

Complaint narrative:
I am writing to formally request the removal of adverse items from my TransUnion credit report pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), as amended by the National Defense Authorization Act for Fiscal Year XXXX. Under this federal law, consumer reporting agencies are required to block and delete any adverse information resulting from human trafficking upon a valid request. 
The accounts listed below are to be removed : 1. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$990.00} 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$730.00} These items are being disputed and requested for removal in accordance with the protections afforded under FCRA 605C. I am submitting this dispute as a survivor of human trafficking and ask that these tradelines be permanently removed from my credit file. TransUnion is obligated under federal law to honor this request once submitted with the proper documentation.

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 2025-06-18 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: TX

Complaint narrative:
The record of a late payment on this account is inaccurate. I made the payment on time, and this error is having an unfair impact on my credit score. I kindly ask for this item to be corrected and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 XXXX XXXX am physically submitting this compliant. I am filing this complaint against Equifax regarding their continued reporting of a disputed and invalid collection tradeline from XXXX XXXX XXXX ( XXXX ). 
XXXX XXXX, in response to CFPB Complaint # XXXX, stated they would request deletion of the tradeline. Despite this, Equifax continues to report the account without appropriate resolution. 
Under Metro 2 reporting standards, when a data furnisher requests deletion, the credit bureau is required to reflect that deletion using Status Code DA. In addition, the account was disputed and should have been updated using the proper dispute code ( 'XB ' ) in compliance with the FCRA and Metro 2 guidelines.

Failure to delete or correct the status of the tradeline violates my rights under 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ).

I request that the CFPB compel Equifax to investigate this violation and remove the account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I recently reviewed my credit report and found accounts that were created without my permission. I suspect identity theft and request that you delete these entries under 15 U.S. Code 1681g within 15 days. Relevant documentation has been included.

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 2025-06-18 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: IL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Illinois XXXX XXXX Date : XX/XX/year> XXXX XXXX Harris & Harris LTD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX Re : Debt Validation Request for Account # XXXX To Whom It May Concern : I am writing in response to a letter received regarding a debt you allege I owe. Please be advised that this is a formal request for validation of the debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Be advised that I am disputing this alleged debt in its entirety and requesting full validation. Do not contact me further about this debt until the following information is provided in writing : 1. Proof of the Debt and Ownership A copy of the original signed contract or agreement showing I agreed to the debt.

Full itemized account history including : The original creditor, The amount of the original debt, All payments made, All interest, fees, or other charges added. 
Proof that the debt collector owns or has been assigned the debt, including a copy of the assignment or purchase agreement. 

2. Legal Right to Collect Evidence that your agency is licensed to collect debts in [ Your State ] ( provide license numbers ).

The name and address of the original creditor and current creditor ( if different ). 
Copies of any judgments ( if applicable ). 

3. Cease Collection Until Verified Until you provide the above, you may not contact me regarding this debt except to confirm receipt of this request or to provide the documentation. Reporting this account to any credit reporting agency without proper validation will constitute a violation of the FDCPA and the FCRA ( Fair Credit Reporting Act ).

This letter is sent in good faith, and I expect your full compliance with the law. Please respond within 30 days of receipt. 

Sincerely, XXXX XXXX

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: GA

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. I told XXXX, XXXX, and XXXX  to reinvestigate these accounts : National credit systems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am formally requesting the following : 1. A complete, written explanation of the fraud investigation referenced in your XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX letter, including : What documents were reviewed, Which parties were contacted, How the XXXX change of address to XXXX office was evaluated, and Why no fraud was found despite repeated reports. 
2. The full name and contact information of any third party you claim now handles my account including the name of the current owner, date of sale or assignment, and the legal basis for continued reporting or collection.

3. A copy of all notices sent to me, including any validation notices or transfer of ownership disclosures required under the FDCPA, Regulation F, and the FCRA.

I demand a response in 48 hours. This has been going on for years and you should be able to provide me the requested information quickly as you should already have it stored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 : Account Name : XXXX XX/XX/XXXX- Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian

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 2025-06-18 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:
My records clearly show that I made my payment on time, yet my credit report is showing a late payment. This is both incorrect and unfair. I respectfully request a reinvestigation and the immediate deletion of this erroneous mark.

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 2025-06-18 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-18 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. 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 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 2025-06-18 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-06-18 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I noticed after reviewing Is my XXXX  credit report I noticed Four hard credit inquiry that I have no knowledge of I reach out to these companies but no action were taken I then reach out to XXXX  they inform me it's nothing they can do I asking the CFPB to step in on my behalf and have these inquiries removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I noticed after reviewing Is my XXXX credit report I noticed Four hard credit inquiry that I have no knowledge of I reach out to these companies but no action were taken I then reach out to XXXX they inform me it's nothing they can do I asking the CFPB to step in on my behalf and have these inquiries removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Va XXXX Subject : 609 Request for Debt Validation To Whom It May Concern, I am writing pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ) to request validation and full disclosure of the alleged debt being reported under my credit file. 

I recently obtained a copy of my credit report and noticed an entry that I do not recognize. I request that you provide the following : 1. A copy of the original contract or agreement bearing my signature, which legally obligates me to the alleged debt.

2. The name and address of the original creditor.

3. A complete payment history, statements, and any documentation showing the debt is accurate and belongs to me.

4. A description of how the debt was calculated and verified.

5. Proof that you are legally authorized to collect on this debt ( if applicable ).

6. The date of first delinquency and when this account is scheduled to be removed from my credit report. 

Please consider this a formal dispute of the validity and accuracy of this debt under the FCRA. If you are unable to provide the documentation requested, the item must be removed from my credit report immediately, as required by federal law. 

This letter is not a refusal to pay, but a request for validation. Please be advised that reporting inaccurate information is a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

I request all communication regarding this matter be in writing. Please respond within 30 days as required.

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 2025-06-18 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-18 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: DC

Complaint narrative:
Someone opened credit card account in my name with XXXX XXXX. This is fraudulent account. I filed Identity Theft Report with FTC. See the attached. I called XXXX XXXX and reported it. The XXXX XXXX closed the credit card. However, it still shows on my credit report. I request to remove this fraudulent account ending in XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
I filed a dispute with Transunion on XX/XX/year> and sent a message of unknown dispute on XXXXXXXX i filed 6 disputes stating all were Paid in Full in a Settlement and asked the Credit Bureau of Transunion to remove/delete negative and closed accounts, it was not resolved I need these accounts updated, then deleted and removed from my credit reports immediately The 6 Accounts are XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-18 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:
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