vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 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 2025-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
-I am writing to formally dispute the accuracy of certain information on my credit report. I am a documented victim of identity theft. The following accounts and inquiries were fraudulently opened or made without my knowledge, authorization, or consent : This letter serves as a formal dispute under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). 

-I am demanding immediate validation of the account information you have reported to the credit bureaus under my name. You are legally obligated to investigate and verify the accuracy and completeness of any information reported. If you can not provide documented evidence that this account is valid, accurate, and legally enforceable, you must delete it from all consumer reporting agencies. 

-These inaccuracies may result in misattribution of accounts or identity confusion. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and complete information. I demand immediate correction and removal of any data not verifiably associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). My report reflects inaccurate personal information, including the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, which are not associated with me. In addition, there are several accounts inaccurately reported as late closed, such as XXXX XXXXXXXX XXXX XXXX XXXX ( repeatedly listed with a status of late 120 days despite showing a {$0.00} balance ), and XXXX XXXX XXXXXXXX XXXX XXXX  reported as late 30 days in XX/XX/XXXX * as well as XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported late 30 days in XX/XX/XXXX, 60 days in XX/XX/XXXX, and 90 days in XX/XX/XXXX *. These late payment notations are inaccurate and misleading. Furthermore, charge-off accounts are being reported inaccurately, including XXXX  XXXXXXXX XXXX XXXX XXXX Balance : {$9800.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} *. 

These errors are clear violations of FCRA 602 ( 15 U.S.C. 1681 ), which ensures accuracy and fairness in credit reporting, FCRA 611 ( 15 U.S.C. 1681i ), which grants consumers the right to dispute inaccurate or unverifiable information and requires consumer reporting agencies to conduct a reasonable reinvestigation, and FCRA 623 ( 15 U.S.C. 1681s-2 ), which obligates furnishers of information to provide data that is accurate and not misleading.

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 2025-10-03 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 XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 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 account listed is not mine and is being reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: AZ

Complaint narrative:
i had open the credit fresh loan account in XXXX of this years, it was for {$1700.00}, making payment of XXXX every week, i had so far paid about XXXX dollars, and the company has claimed that they only applied {$15.00} to the principial, but once i have paid what i though the payment was and it get ducted it add {$100.00} dollars and it never will let my self and other pay off the loan, this company is a scam, they make sure that people with bad credit never get out of the loan payment, if i knew it be this difficult i wouldn't have open it, there has been a lot of other people who has the same issue with Credit fresh, they are predatory company and they need to be sue. Credit fresh was and is the worst company ever

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
On XX/XX/year> I disputed a medical collection with TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, acct ending XXXX ). On XX/XX/year>, TransUnion marked it Verified as Accurate but gave no documentation of how it was verified. This violates FCRA 1681i. A reasonable reinvestigation requires disclosure of the furnishers contact details and the exact records reviewed. None were provided. For a medical collection, meaningful verification must include service dates, provider identity, itemized billing/insurance records, proof of assignment, and documentation linking the alleged charges. None were supplied. TransUnion acted in conjunction with furnishers instead of independently, shifting the legal burden after harm to my credit. I request deletion of the account unless proper documentation is produced and urge maximum penalties for TransUnions repeated noncompliance.

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 2025-10-03 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXXIncorrect DOB : - XXXX CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXXIncorrect Name : - XXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX, XXXX XXXX TX XXXX - XXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX TX XXXX Listed below are the Accounts that are being challenged XXXX XXXX  XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, XXXX exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XXXX Balance {$6600.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I am submitting to dispute the inaccurate reporting of late payment statuses associated with my XXXX XXXX XXXX and XXXX XXXX accounts as reflected on my Equifax, Experian and TransUnion credit report. After reviewing the reported information, it is clear that the entries contain errors and inconsistencies that do not accurately represent my verified payment history or account activity. 
These reporting inaccuracies create a misleading impression of delinquency and are not supported by verified documentation from the furnishers. 
The first account, XXXX XXXX XXXX XXXX, reports a balance of {$80.00}, opened on XX/XX/XXXX, with the last activity shown as XX/XX/XXXX. Equifax lists this account with a 30-day late payment notation, which is inaccurate and not reflective of the true payment history. At no time during this reporting period did a payment become delinquent beyond the grace period defined in the account agreement. The account has remained in good standing and active, with all payments made in accordance with the agreed terms. Reporting this account as late without verifiable evidence misrepresents my credit behavior and violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which mandates that all information in a consumer credit file be reported with maximum possible accuracy. 
The second account, XXXX XXXX XXXX, reports a balance of {$170.00}, opened on XX/XX/XXXX, with the last activity recorded on XX/XX/XXXX. Equifax is currently reporting this account with a 30-day late in XX/XX/XXXX and a 60-day late in XX/XX/XXXX. These reported delinquencies are factually incorrect and are inconsistent with the verified transaction and payment records of this account. There is no documentation or evidence provided by the furnisher that substantiates these late payment designations. The pattern of alleged consecutive lates contradicts the verified timeline of timely payments and proper account maintenance, rendering this reporting inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting inaccurate and derogatory accounts in violation of FCRA 602A, 604, 607 ( b ), and 609 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$65000.00} Charge-off/Collection. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  {$4500.00} Charge-off/Collection. * * XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  {$140.00} Collection. * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$27000.00} Collection. * * These tradelines are inaccurate, not fully validated, and damaging my credit profile. TransUnion is failing to ensure maximum possible accuracy and continuing to report disputed debts without proper investigation as required under FCRA 611.

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 2025-10-03 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
I am sending to dispute the accuracy of the following accounts currently reported under my credit file : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} Date Opened : XX/XX/year> XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-10-03 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: TN

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXXEmployer - XXXX XXXX XXXX XXXXIncorrect Name : - XXXX XXXX XXXXIncorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX 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