vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: NC

Complaint narrative:
XXXX filed for bankruptcy sometime during XXXX  The company was untraceable after repeated attempts to inquire about the dental retainers I was sent. Not only did the treatment not work as advertised, it was never completed with the promised smile guarantee. Since the company had filed bankruptcy, my bank stopped withdrawals on my behalf. The contracts I signed were with XXXX as the creditor. The payment processor was XXXX. The processor then sent my account to collections with XXXX I have used their online portal to submit a dispute asking for proof of this debt and the XXXX contract, but they not responded. I am now filing as dispute to remove this remark from my credit report. 

This online form states to not include any personal info. But I have the original contract stating XXXX as the creditor of this account if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing contradictory and misleading information regarding account ending in XXXX. 
The account is reported as Charged Off, Closed by creditor ( XX/XX/year> ), yet also shows a past-due balance of {$1300.00} as of XX/XX/year>. 
This contradiction renders the tradeline unverifiable under FCRA 611 ( a ) ( 1 ), materially misleading under FDCPA 807 ( 2 ) ( A ), and inaccurate under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). 
On XX/XX/year>, I mailed certified disputes to all 3 bureaus ; Equifax responded on XX/XX/year> ( Dispute ID XXXX ) but did not provide verification from Citibank, leaving the tradeline unchanged.

Citibank has failed to provide : Form 1099-C ( required under 26 U.S.C. 6050P if debt canceled ), Any disclosure of insurance claims, securitization, or transfers, Proof they retain legal ownership or reporting rights.

If Citi has been compensated via sale, securitization, or insurance, they no longer retain any legal interest in this account.

This constitutes willful noncompliance with FCRA 609, 611, 1681e ( b ), 1681s-2, FDCPA 807 ( 2 ) ( A ), IRS 166 , 6050P, and California Civil Code 1785.25 ( a ), 1788.17.

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 2025-10-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing contradictory and misleading information regarding account ending in XXXX. 
The account is reported as Charged Off, Closed by creditor ( XX/XX/year> ), yet also shows a past-due balance of {$1300.00} as of XX/XX/year>. 
This contradiction renders the tradeline unverifiable under FCRA 611 ( a ) ( 1 ), materially misleading under FDCPA 807 ( 2 ) ( A ), and inaccurate under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). 
On XX/XX/year>, I mailed certified disputes to all 3 bureaus ; Equifax responded on XX/XX/year> ( Dispute ID XXXX ) but did not provide verification from Citibank, leaving the tradeline unchanged.

Citibank has failed to provide : Form 1099-C ( required under 26 U.S.C. 6050P if debt canceled ), Any disclosure of insurance claims, securitization, or transfers, Proof they retain legal ownership or reporting rights.

If Citi has been compensated via sale, securitization, or insurance, they no longer retain any legal interest in this account.

This constitutes willful noncompliance with FCRA 609, 611, 1681e ( b ), 1681s-2, FDCPA 807 ( 2 ) ( A ), IRS 166 , 6050P, and California Civil Code 1785.25 ( a ), 1788.17.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-01 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: CA

Complaint narrative:
id theft from XXXX XXXX XXXX XXXX XXXX and EXPERION

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 2025-10-01 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: GA

Complaint narrative:
For the past XXXX months, I have been disputing an outdated bankruptcy that is still being reported on my credit file. This bankruptcy is more than XXXX years old and should have been removed under the Fair Credit Reporting Act ( FCRA ). Additionally, I never authorized the credit bureau to report this item, nor did the XXXXXXXX XXXX XXXX XXXX XXXX, Georgia, instruct them to do so. 

I first disputed this matter with the credit bureau on XX/XX/year>, and again on XX/XX/year>. Despite my written disputes, the bankruptcy remains on my credit report. The credit bureau has failed to correct or delete this inaccurate and time-barred information, in violation of my rights under the FCRA. 

I am requesting that the outdated bankruptcy be deleted from my credit file immediately, as it is past the allowable reporting period and is continuing to cause harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
For the past XXXX months, I have been disputing an outdated bankruptcy that is still being reported on my credit file. This bankruptcy is more than XXXX years old and should have been removed under the Fair Credit Reporting Act ( FCRA ). Additionally, I never authorized the credit bureau to report this item, nor did the XXXXXXXX XXXX XXXX XXXX XXXX, Georgia, instruct them to do so. 

I first disputed this matter with the credit bureau on XX/XX/year>, and again on XX/XX/year>. Despite my written disputes, the bankruptcy remains on my credit report. The credit bureau has failed to correct or delete this inaccurate and time-barred information, in violation of my rights under the FCRA. 

I am requesting that the outdated bankruptcy be deleted from my credit file immediately, as it is past the allowable reporting period and is continuing to cause harm to my creditworthiness.

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 2025-10-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my

credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued
ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my

credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued
ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WI

Complaint narrative:
I am writing to follow up on my recent complaint submitted to the Consumer Financial Protection Bureau regarding inaccuracies on my credit report, including the presence of outdated or incorrect personal information, unauthorized hard inquiries, and derogatory accounts that do not belong to me or are otherwise unverifiable. 

Despite my previous request, these items remain on my credit file and continue to have a negative impact on my creditworthiness. I respectfully request that the following actions be taken as required under the Fair Credit Reporting Act ( FCRA ) : Deletion of Unauthorized or Unverified Inquiry : XXXX XXXX XX/XX/XXXX Investigation and Deletion of Derogatory Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$44.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22.00} Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$97.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
Experian is still not reporting accurately. 
Experian asks for documents however, their online upload system has never worked in the last 8 months of me trying to send them documents. Even through email. 

Nor does their score or accounts, personal information, and inquiries match what is on Transunion and Equifax. My score on Experian is XXXX. 
My score on Transunion is XXXX. My score on Equifax is XXXX. My score on XXXX is XXXX. 
This is a clear violation of the law Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 ( c ) ( 2 ).

I have already filed identity theft reports with both the FTC and the CFPB, and I demand immediate removal of this fraudulent, derogatory account. Under 1681 ( c ) ( 2 ), credit reporting agencies are legally required to block and delete information that a consumer identifies as the result of identity theft, upon receipt of an identity theft report.

The following account must be removed in its entirety : False names and address. 
False inquiries due to fraud - XXXX, XXXX XXXX inquiry came in last night and was reported to XXXX. XXXX immediatley. 
False payment reporting - XXXX was never 30 days late. 
Inaccurate reporting - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and needs to 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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian is still not reporting accurately. 
Experian asks for documents however, their online upload system has never worked in the last 8 months of me trying to send them documents. Even through email. 

Nor does their score or accounts, personal information, and inquiries match what is on Transunion and Equifax. My score on Experian is XXXX. 
My score on Transunion is XXXX. My score on Equifax is XXXX. My score on XXXX is XXXX. 
This is a clear violation of the law Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 ( c ) ( 2 ).

I have already filed identity theft reports with both the FTC and the CFPB, and I demand immediate removal of this fraudulent, derogatory account. Under 1681 ( c ) ( 2 ), credit reporting agencies are legally required to block and delete information that a consumer identifies as the result of identity theft, upon receipt of an identity theft report.

The following account must be removed in its entirety : False names and address. 
False inquiries due to fraud - XXXX, XXXX XXXX inquiry came in last night and was reported to XXXX. XXXX immediatley. 
False payment reporting - XXXX was never 30 days late. 
Inaccurate reporting - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and needs to be removed.

Company response to consumer: Closed with explanation