vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX XXXX XXXX BALANCED {$17000.00} XXXX XXXX  BALANCED {$710.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$77.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I recently reviewed my credit report and found a collection account that I did not authorize or recognize. This appears to be a result of identity theft or unauthorized use of my personal information.

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 2025-07-15 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: CA

Complaint narrative:
I have reviewed my credit report and found that a hard inquiry was made without my knowledge or authorization. I never submitted a credit application to the listed entity.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This statement is a formal dispute and identity theft report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX and XXXX XXXX. XXXX. 

Upon reviewing my credit report, I have identified XXXX accounts that were fraudulently opened without my knowledge or authorization. These accounts are the result of identity theft and were not initiated, opened, or authorized by me in any way. The presence of these accounts on my credit report is both inaccurate and damaging. 

Under XXXX XXXX. XXXX, consumer reporting agencies are limited in who can access and report my credit information, and under XXXX XXXX. XXXX, I have the right to block and remove all information resulting from identity theft from my credit file. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX  XXXX XXXX XXXX * * * * I am requesting that these accounts be : XXXX. Investigated immediately XXXX. Removed from my credit report permanently XXXX. Blocked from being reinserted in the future Attached are copies of the following documents to support my claim : Government-issued photo ID Proof of current address Completed FTC Identity Theft Report and/or police report ( if available ) Please provide written confirmation once the investigation is complete and the fraudulent information has been removed from my file. If you need any additional documentation, I am happy to provide it. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
Account Name : XXXX XXXX XXXXXXXX. 
Account XXXX : XXXX Your records show this account was still being marked as a charge-off every month from XX/XX/XXXX to XX/XX/XXXX, even though it was already settled and closed for less than the full balance. Once an account is settled, it should no longer keep showing new charge-offs each month doing so is inaccurate and misleading, and it's known as re-aging, which isnt allowed under the law. 

According to the Fair Credit Reporting Act ( FCRA ) : Lenders aren't allowed to report information they know ( or should know ) is wrong. 

Credit bureaus must check and correct anything thats incomplete or incorrect if it's disputed. 

Right now, youre showing over XXXX years of charge-offs after the account was settled, which unfairly hurts my credit score and doesnt reflect the true status of this account. Unless XXXXXXXX XXXX can prove this reporting is accurate with real documentation, it should be corrected or removed completely from my credit report. 
Attached is a copy of my recent 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Account Request for Validation, Cease and Desist Reporting, Chain of Assignment & Removal of Inquiries To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including XXXX XXXX. XXXX ( deletion of obsolete or inaccurate information ), XXXX ( reinvestigation ), and XXXX ( validation ). I demand immediate investigation and removal of all unverifiable or inaccurate data. 

Account Information : Creditor : XXXX XXXX XXXXXXXX XXXX Connecticut XXXX XXXX - Account Number : XXXX * * * * * * * and XXXX * * * * * * XXXX XXXX XXXX XXXX  Account No. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX Legal Grounds : XXXX XXXX. XXXX : Debt validation requirement. 

XXXX XXXX. XXXX : Prohibits reporting inaccurate data. 

XXXX XXXX. XXXX : Limits access to permissible purposes. 

XXXX XXXX. XXXX : Requires full chain of assignment. 

XXXX XXXX. XXXX ( XXXX ) ( A ) : Forbids misrepresenting legal debt status. 

XXXX XXXX. XXXX : Bans unfair collection practices. 

Supporting Cases : Green v. XXXX XXXX XXXX. ( XXXX ) : Debt buyers must show complete chain-of-title. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. XXXX : Original contracts required ; billing statements insufficient. 

Issues Identified : Unlawfully collection of this unverifable account Demand for Immediate Deletion & Cease Reporting : If unable to validate with original contract, chain of assignment, and complete account history, you must delete this from TransUnion, Equifax, and Experian files under XXXX U.S.C. XXXX. I also demand you immediately cease reporting this account. 

Inquiry Removals Requested : Please remove these inquiries that lack permissible purpose or are otherwise unauthorized : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Notice : Failure to comply within XXXX days will result in legal action under XXXX U.S.C. XXXX, XXXX, and XXXX for statutory, actual, and punitive damages plus attorney fees. Complaints may also be filed with the CFPB and other regulators.

Expected Action : Provide written confirmation of deletions to the CFPB, updated credit reports, and all documentation relied upon in your investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MT

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA XXXX ( a ) ( XXXX ). 
This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA XXXX ( a ) / XXXX XXXX. XXXX, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


XXXX XXXX, XXXX XXXX, XXXX 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 2025-07-15 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: NJ

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$1000.00} XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$1000.00} XXXXXXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-15 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion

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 2025-07-15 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX repossessed my vehicle and later sold/assigned the remaining balance to XXXX XXXX XXXX XXXX who now reports an open collection of {$9400.00}. 

Despite the transfer, XXXX continues to report the account as closed with a {$7700.00} balance, creating double reporting of the same debt and inflating my apparent liabilities. 

Legal violations and deficiencie

s 1. FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 5 ) Furnishers may not report inaccurate or incomplete data and must list a {$0.00} balance once a debt is sold ( Transferred/Sold ). 2. FCRA, 15 U.S.C. 1681i & 1681s-2 ( b ) After a dispute, furnishers must investigate and correct/delete unverifiable information. 3. FDCPA, 15 U.S.C. 1692g ( a ) & ( b ) A debt collector must provide validation upon request, including the name of the original creditor and verification of the debt. Courts interpret adequate verification to include production of the original loan agreement or contract bearing the consumers signature when requested ( see, e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After repossession and sale, the secured party must give a notice of sale and a post-sale explanation of any deficiency ; failure to do so undermines the legitimacy of any remaining balance. 

My dispute & requested relief I never received the required UCC notices or any deficiency explanation from XXXX. 
I requested validation from XXXX, including the original signed loan documents ; they have not provided them.

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 2025-07-15 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: TN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
This letter is being submitted to dispute a reported late payment that does not align with my actual payment history. I have consistently paid my accounts on time, and this negative mark is both unexpected and concerning.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 the Experian, Transunion, and Equifax to reinvestigate this accounts : XXXX XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make
any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report thank you.

Company response to consumer: Closed with explanation