vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint because Experian has failed to properly investigate and correct inaccurate information on my credit report, even after I filed disputes. The following errors remain on my report and are harming my creditworthiness in violation of the Fair Credit Reporting Act ( FCRA ). 

Wrong Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are not my addresses and should never have been linked to my credit file. 

Inaccurate Account Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not authorized by me and are harming my credit profile. 

Despite my disputes, Experian has continued to verify these items without providing documentation from the furnishers to support their accuracy. Under FCRA Section 611 ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable reinvestigation, yet simply verifying information without proof is not a reasonable investigation.

Because of these inaccuracies, my credit score has been unfairly damaged. I have experienced financial harm, including higher interest rates, difficulty securing credit, and unnecessary stress. Experians failure to correct these errors is a direct violation of my consumer rights under the FCRA. 

I am requesting the CFPB to require Experian to : Remove the inaccurate addresses, accounts, and inquiries listed above. 

Provide proof from furnishers for any verified items. 

Ensure compliance with FCRA in handling consumer disputes.

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 2025-08-16 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: AVANTE
State: NY

Complaint narrative:
Is approved new credit card without my authority and make me pay deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
XXXX shows I have an outstanding debt of {$1200.00} for XXXX XXXX XXXX XXXX, this debt was paid through another collection agency, XXXX XXXX, after disputing with XXXX through the dispute process with XXXX, XXXX did not remove the collections account from my credit report.... 

XXXX XXXX XXXX # XXXX ( C/O XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX I am not sure if XXXX XXXX also bought my old debt from XXXX XXXX XXXX XXXX , however the two do not seem to communicated, XXXX does not want to do the right thing and remove the debt regardless of which collection company was paid, and these immortal and unethical collection practices need to be reported, addressed, and stopped... 

I have attached my email communications with XXXX XXXX representing XXXX XXXX XXXX  showing the debt was paid... 

Thank You for Helping me...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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 2025-08-16 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: NY

Complaint narrative:
15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXX  on XXXX. 15 U.S. Code 1679c Equifax reporting unauthorized fraudulent inquiry from XXXX XXXXXXXX XXXX  XXXX 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX  on XXXX. XXXX XXXX XXXX XXXX Transunion reporting unauthorized fraudulent inquiry from XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX  XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 U.S. Code 1679c Experian reporting unauthorized fraudulent inquiry from XXXX XXXX  on XXXX. 15 U.S. Code 1679c Equifax reporting unauthorized fraudulent inquiry from XXXX XXXXXXXX XXXX  XXXX 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX  on XXXX. XXXX XXXX XXXX XXXX Transunion reporting unauthorized fraudulent inquiry from XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX on XXXX. 15 U.S. Code 1679c Transunion reporting unauthorized fraudulent inquiry from XXXX  XXXX on 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 2025-08-16 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
I tried calling these credit furnishers Experian, Transunion and Equifax. They make it impossible to get an actual person on the line. I have been unsuccessful communicating with these credit furnishers and the creditors about this matter. You can not speak to a live agent with the phone number provided on their website. These accounts listed are not authorized by me. I have attached required documents to block accounts and do not use the normal dispute method. This is Identity theft I submitted required documentation to block accounts. Since these creditors would not remove the fraudulent accounts I have requested the 1099 files for these charged off accounts for tax purposes with the IRS. I should have received copies since it has been written off by their companies with IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
I tried calling these credit furnishers Experian, Transunion and Equifax. They make it impossible to get an actual person on the line. I have been unsuccessful communicating with these credit furnishers and the creditors about this matter. You can not speak to a live agent with the phone number provided on their website. These accounts listed are not authorized by me. I have attached required documents to block accounts and do not use the normal dispute method. This is Identity theft I submitted required documentation to block accounts. Since these creditors would not remove the fraudulent accounts I have requested the 1099 files for these charged off accounts for tax purposes with the IRS. I should have received copies since it has been written off by their companies with IRS.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I tried calling these credit furnishers Experian, Transunion and Equifax. They make it impossible to get an actual person on the line. I have been unsuccessful communicating with these credit furnishers and the creditors about this matter. You can not speak to a live agent with the phone number provided on their website. These accounts listed are not authorized by me. I have attached required documents to block accounts and do not use the normal dispute method. This is Identity theft I submitted required documentation to block accounts. Since these creditors would not remove the fraudulent accounts I have requested the 1099 files for these charged off accounts for tax purposes with the IRS. I should have received copies since it has been written off by their companies with IRS.

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 2025-08-16 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Equifax, XXXX XXXX Subject : Legal Demand for Permanent Deletion of Fraudulent Account Violation of FCRA and FDCPA To Whom It May Concern THIS IMFORMATION WAS PREVIOUSLY DELETED GET IT OFF MY REPORTS NOW!!! 

I am writing regarding the fraudulent account being re-reported to my consumer credit profile : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} Status/Descriptor : Consumer disputes reinvestigation in process Date Opened : XX/XX/year> This account was previously deleted as fraudulent yet has been reinserted into my consumer file without proper certification or notice, in violation of the Fair Credit Reporting Act ( FCRA ).

Violations Identified FCRA 611 ( a ) ( 5 ) ( B ) : A consumer reporting agency must not reinsert previously deleted information unless the furnisher certifies its accuracy and the bureau provides written notice to the consumer within 5 business days. This did not occur.

FCRA 607 ( b ) : You are obligated to maintain reasonable procedures to ensure maximum possible accuracy. Re-reporting previously deleted, fraudulent information is a direct violation.

FCRA 605 ( a ) : Outdated and unverifiable adverse accounts can not be reported.

FCRA 611 ( a ) : I have the right to dispute any inaccurate or unverifiable account, and you must delete it within 30 days unless verified by the original creditor with documentation.

FDCPA 807 ( 8 ) : Prohibits communicating credit information which is known or should be known to be false.

FCRA 616617 : Provides for civil liability, actual damages, punitive damages, attorneys fees, and costs of action against consumer reporting agencies that willfully or negligently fail to comply with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX XXXX, TransUnion Subject : Legal Demand for Permanent Deletion of Fraudulent Account Violation of FCRA and FDCPA To Whom It May Concern THIS IMFORMATION WAS PREVIOUSLY DELETED GET IT OFF MY REPORTS NOW!!! 

I am writing regarding the fraudulent account being re-reported to my consumer credit profile : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} Status/Descriptor : Consumer disputes reinvestigation in process Date Opened : XX/XX/year> This account was previously deleted as fraudulent yet has been reinserted into my consumer file without proper certification or notice, in violation of the Fair Credit Reporting Act (

FCRA ). Violations Identified FCRA 611 ( a ) ( 5 ) ( B ) : A consumer reporting agency must not reinsert previously deleted information unles
s the furnisher certifies its accuracy and the bureau provides written notice to the consumer within 5 business days. This did not occur.

FCRA 607 ( b ) : You are obligated to maintain reasonable procedures to ensure maximum possible accuracy. Re-reporting previously deleted, fraudulent information is a direct violation.

FCRA 605 ( a ) : Outdated and unverifiable adverse accounts can not be reported.

FCRA 611 ( a ) : I have the right to dispute any inaccurate or unverifiable account, and you must delete it within 30 days unless verified by the original creditor with documentation.

FDCPA 807 ( 8 ) : Prohibits communicating credit information which is known or should be known to be false.

FCRA 616617 : Provides for civil liability, actual damages, punitive damages, attorneys fees, and costs of action against consumer reporting agencies that willfully or negligently fail to comply with the FCRA.

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 2025-08-17 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: MD

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-16 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: KY

Complaint narrative:
I, XXXX XXXX, owner of XXXX XXXX XXXX ( Experian XXXX : XXXX, XXXX : XXXX ), am filing this complaint to report fraudulent business credit accounts and inquiries that have been wrongfully placed on my companys Experian XXXX credit report. 



Background My company, XXXX XXXX XXXX, was established in XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX is a small business with limited operations and does not maintain large commercial loans or revolving credit accounts. 



Fraudulent Accounts & Activity The following accounts and inquiries appear on my companys Experian XXXX XXXX File but were never authorized or opened by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} Reported Date : XX/XX/XXXX Activity Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Status : Reported as delinquent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} ( Recent High {$12000.00} ) Reported Date : XX/XX/XXXX Activity Date : XX/XX/XXXX Terms : Revolving Status : Reported with late payments and utilization issues XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9900.00} ( Recent High {$12000.00} ) Last Payment Date : XX/XX/XXXX Balance Date : XX/XX/XXXX Status : Reported delinquent and past due XXXX Inquiries XXXX inquiries ( General category ) reported in XX/XX/XXXX. 



Harm to My Company Because of these fraudulent accounts : XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX 
Experian assigned a XXXX XXXX XXXX XXXX of XXXX ( XXXX XXXX ). 
XXXX assigned a Risk Rating of XXXX ( XXXX XXXX ). 
Payment history falsely reflects 100 % delinquency XXXX days as of XXXX. 

These false derogatory marks have significantly harmed XXXXXXXX XXXX XXXX ability to secure legitimate funding, vendor relationships, and contracts. 



Actions Taken by Me and My Company XX/XX/XXXX : Discovered these fraudulent tradelines and inquiries on XXXX XXXX XXXX business credit report. 
XX/XX/XXXX : Contacted Experian Business and XXXX XXXX XXXX XXXX to dispute the fraudulent accounts. 
XX/XX/XXXX : Obtained updated XXXX reports confirming the fraudulent balances, accounts, and inquiries. 
XX/XX/XXXX : Filed an FTC Identity Theft Report and began preparing disputes and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
Due to the CFPB lawsuit against XXXX XXXX. I requested that any and all related XXXX XXXX accounts be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
Due to the CFPB lawsuit against XXXX XXXX. I requested that any and all related XXXX XXXX accounts be deleted 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 non-monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
A charge-off for {$560.00} from XXXX XXXX XXXX was reported on my credit file. The reported information is inaccurate. The account shows as collection/charge-off and derogatory, but I do not believe the balance, dates, or account status are correct. I requested validation and supporting documentation, including proof of ownership, the original agreement, and a complete payment history, but the company has not provided it. This is causing harm to 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 2025-08-16 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: FL

Complaint narrative:
A charge-off for {$560.00} from XXXX XXXX XXXX was reported on my credit file. The reported information is inaccurate. The account shows as collection/charge-off and derogatory, but I do not believe the balance, dates, or account status are correct. I requested validation and supporting documentation, including proof of ownership, the original agreement, and a complete payment history, but the company has not provided it. This is causing harm to my credit report.

Company response to consumer: Closed with non-monetary relief