vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX XXXX XXXX According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00}

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 explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-14 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: MD

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 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-08-14 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: MS

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 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am disputing a debt reported by Portfolio Recovery Associates, allegedly purchased from XXXX XXXX XXXX. The account shows a balance of {$330.00} and was placed for collection on XX/XX/year>. I do not recognize this debt as valid, and the collector has not provided the original signed credit agreement or a complete payment history. The account is also listed incorrectly as an Open Account instead of a revolving credit account. I requested verification of the debt, including proof of ownership and state licensing, but Portfolio Recovery did not provide this information. Despite my dispute, the account remains on my credit report with inaccurate details. I request that this account be removed unless properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
I am filing this complaint against Equifax and the furnishers XXXX  ( Acct : XXXX ) and XXXX  XXXX ( Acct : XXXX ) for willfully and negligently reporting false late payment information in violation of the Fair Credit Reporting Act ( FCRA ). My Equifax credit file shows XXXX Late Date : XX/XX/XXXX and XXXX  XXXX Late Dates : XX/XX/XXXX. These entries are entirely inaccurate and result solely from the furnishers internal reporting or transmission errorsnot from any actual failure on my part to make timely payments. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate, and under 1681i, Equifax is required to conduct a reasonable reinvestigation and delete or correct any inaccurate, incomplete, or unverifiable information. Despite my dispute, Equifax has failed to comply with these requirements and continues to publish false data, causing significant damage to my credit standing, financial opportunities, and personal reputation. I demand immediate CFPB intervention to compel Equifax to permanently delete these false late payment entries, provide the name, contact information, and credentials of the individual who verified these lates, disclose the exact verification method used ( including access logs and documents reviewed ), and provide copies of any records proving the alleged late payments. If Equifax and the furnishers can not produce definitive proof of actual late payments, these entries must be removed without delay. Continued reporting without such proof constitutes willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o, making them liable for statutory damages, actual damages, attorneys fees, and punitive damages. I expect the CFPB to address these violations immediately and confirm removal of these inaccurate entries to prevent ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-14 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 been regularly checking my credit reports and scores this year due to pressing needs of me and my family. I have been reaching out to Transunion as of recently regarding items that are fraudulent and I was a victim of Identity theft. thus unlawful to post about me. This has caused me both deep XXXX and high XXXX which I have been getting treatment for and along with this I recently suffered with an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Transunion being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Transunion operates then I would imagine that other Americans experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Transunion about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law. 

I demand Transunion to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on 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 2025-08-14 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:
I have been regularly checking my credit reports and scores this year due to pressing needs of me and my family. I have been reaching out to Equifax as of recently regarding items that are fraudulent and I was a victim of Identity theft. thus unlawful to post about me. This has caused me both deep XXXX and high XXXX which I have been getting treatment for and along with this I recently suffered with an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Equifax being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Equifax operates then I would imagine that other Americans experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Equifax about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law. 

I demand Equifax to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am filing this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) regarding the unauthorized reinsertion of a deleted account. 

The account is : Creditor : XXXXXXXX XXXX XXXXccount Number : XXXX Date Opened : XX/XX/year> This account was previously deleted from my Experian credit file but has been reinserted approximately three times without proper notice. Under the FCRA, a credit bureau may not reinsert previously deleted information unless : The furnisher certifies the information is complete and accurate, and The bureau provides written notice to the consumer within 5 business days of reinsertion. 

I have never received such notice from Experian for any of these reinsertions. This is a clear violation of my rights under the FCRA. These repeated unlawful actions have caused damage to my credit, financial losses, and emotional distress.

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 2025-08-14 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am the victim of identity theft and XXXX  XXXX XXXX. The following accounts were fraudulently opened in my name without my authorization and are being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2.

I have never applied for, opened, or used these accounts. I have provided the credit bureaus with a police/FTC Identity Theft Report and requested removal under FCRA 605B. Despite my dispute, the accounts remain, and the furnishers have failed to comply with Metro 2 reporting standards and the FCRA by continuing to report inaccurate and unverifiable 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 non-monetary relief
Consumer complaint received 2025-08-14 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:
I am submitting this formal complaint against Equifax for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryEquifax has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Equifax to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). The following letters were sent as part of my ongoing efforts to resolve this matter : XXXX Sent NOI ID Theft Letter XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft XX/XX/XXXX Sent Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Regarding Identity Theft XX/XX/XXXX Sent ID Theft Non Compliance Letter XX/XX/XXXX Sent Continued Noncompliance with FCRA Final Demand for Deletion of Fraudulent Accounts XX/XX/XXXX Sent Formal Complaint and Demand for Immediate Compliance Violations of the FCRA and CCRAA These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Equifax has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. Equifaxs continued reporting of the XXXX  XXXX XXXX account after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, Equifax 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX High Balance : {$3500.00} Account Number : XXXX Date : XX/XX/year> Duration : 7 years XXXX High Balance : {$35000.00} Account Number : XXXX Date : XX/XX/year> Duration : 7 years These accounts has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
SEE ATTACHMENTS, I have already sent a previous dispute and they have not proven anything CFPB I need them to dispute this, the image evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
SEE ATTACHMENTS, I have already sent a previous dispute and they have not proven anything CFPB I need them to dispute this, the image evidence

Company response to consumer: Closed with non-monetary relief