vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I noticed a wrong attempt to collect a debt on my credit file. I attempted to retrieve info with no reply. I sent a certified letter to XXXX XXXX, for a signed contract proving this was my account. They refused any info twice we did this. I also sent a dispute letter twice to all three bearus no action taken. The staute of limitations is 6 years in Colorado. Its been over 7 years. recently they adjusted it to as new. XXXX because I disputed it XXXX XXXX verified the debt as follows. Which they do nothing but a computer runs it and say oh its your a suit is only way to repair this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
This is not my address and needs to be removed from my Experian report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX All of my accounts that i have open and agreed to has this address below. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX address thank you under 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 2025-07-03 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$3900.00} XXXXXXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$3900.00} XXXXXXXX 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/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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Top Asset Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Formal Dispute of Inaccurate Account Reporting Request for Investigation Dear XXXX  Representative, I am writing to formally dispute inaccurate information that appears on my credit report. Below are the details of the account in question : Creditor/Account Holder : Top Asset Solutions LLC Account Type : Lease Account Status : Closed Account Number : XXXX Date Closed : XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is reporting as being 120+ days late, with a prolonged late payment history. I believe this information is inaccurate, incomplete, or can not be properly verified. Specifically, I am concerned with the following : 1. The account is reporting a 120+ days late status after the account was closed.

2. The payment history reflects continuous late payments, but there are inconsistencies in the reporting that require verification.

3. The record of 1/1/18 under Times 30/60/90+ days late appears to be erroneous, as it does not correspond with the accounts timeline.

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you investigate this account and provide proper verification. If the information can not be verified or is found to be inaccurate, I request that it be corrected or removed from my credit report.

Please send me written confirmation of the results of your investigation. I have attached a copy of my government-issued identification and a recent utility bill to verify my identity.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
I am filing this complaint as a victim of identity theft and am requesting your assistance in having several fraudulent accounts removed from my credit reports.

I have taken the following steps : I filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

I sent formal disputes to all three major credit bureaus ( Experian, Equifax, and TransUnion ) identifying the specific accounts I believe were fraudulently opened in my name. Please see attached.

I included copies of the FTC Identity Theft Report and a signed statement denying responsibility for those accounts.

Despite this, the fraudulent accounts are still being reported on my credit file, and I am now being harmed both financially and reputationally.

Under the Fair Credit Reporting Act ( FCRA ) : 1681c-2 ( Block of information resulting from identity theft ) : The credit bureaus are required to block and delete any information that results from identity theft within 4 business days of receiving : Proof of identity An Identity Theft Report from the FTC A written statement of dispute 1681i ( Procedure in case of disputed accuracy ) : Credit bureaus must conduct a reasonable reinvestigation and delete unverifiable or fraudulent information within 30 days.

1681e ( b ) : Credit reporting agencies must maintain the maximum possible accuracy. Continuing to report fraudulent accounts violates this duty.

These laws clearly outline that reporting known fraudulent accounts after notice of identity theft is unlawful, and I am now seeking enforcement of my rights through your agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
I am filing this complaint as a victim of identity theft and am requesting your assistance in having several fraudulent accounts removed from my credit reports.

I have taken the following steps : I filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

I sent formal disputes to all three major credit bureaus ( Experian, Equifax, and TransUnion ) identifying the specific accounts I believe were fraudulently opened in my name. Please see attached.

I included copies of the FTC Identity Theft Report and a signed statement denying responsibility for those accounts.

Despite this, the fraudulent accounts are still being reported on my credit file, and I am now being harmed both financially and reputationally.

Under the Fair Credit Reporting Act ( FCRA ) : 1681c-2 ( Block of information resulting from identity theft ) : The credit bureaus are required to block and delete any information that results from identity theft within 4 business days of receiving : Proof of identity An Identity Theft Report from the FTC A written statement of dispute 1681i ( Procedure in case of disputed accuracy ) : Credit bureaus must conduct a reasonable reinvestigation and delete unverifiable or fraudulent information within 30 days.

1681e ( b ) : Credit reporting agencies must maintain the maximum possible accuracy. Continuing to report fraudulent accounts violates this duty.

These laws clearly outline that reporting known fraudulent accounts after notice of identity theft is unlawful, and I am now seeking enforcement of my rights through your agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I have been informed that the loans were in forbearance ; however, they have not reported that this is the case. I would also like the credit reporting to reflect the status of the loans. Also, I am disabled and these loans are being considered for discharge and that to has not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to block fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Upon reviewing my credit report, I noticed that this account being reported by ChexSystems is not being reported by XXXX XXXX XXXX XXXX XXXX ChexSystems is a consumer reporting agency governed by the Fair Credit Reporting Act ( FCRA ), which mandates that the information reported must be accurate and fair. ChexSystems, like other reporting agencies, needs to follow the XXXX XXXX guidelines, which ensure that data is reported accurately and consistently. 

There is clear and uncut discrepancy and inconsistency, when none of the ( XXXX ) major bureaus report the XXXX XXXX XXXX XXXX account on my consumer report. I specifically, demand you immediately remove from reporting any claim not yet adequately reputed, untrue, incomplete, and or else wise not of regulation and or possibly can be a deviation from the aforementioned required standards for certifiable compliant reporting. This lawful consumer complaint is my contesting versus the data reporting furnisher ( s ) very conditional privilege to report if unable, unwilling, untimely, and or else wise not provable in satisfying at least the established minimal requisites for ethical and lawful reporting of consumer data. 

I here now defy any such above-mentioned data reporter and accepting repository of reported claims to prove by document demonstration that individual ( s ) 's certifiable compliant reporting process, including no less than the perfect adhering to the mandatory utilized and perfect entire XXXX XXXX data-filled formatted reporting standards, of which there can not exist a deviation from nor omitting from without jeopardizing the integrity of claims made. Questionable reporting fails the federal demands for all claims to be factually of a maximum potential accuracy AND a maximum feasible completeness, for the body ( ies ) ( ies ) involved could of and should have been attestably compliant in its reporting. 

Unproven and Non-compliant reporting of even supposed verifiable and or so stated Validatable claims fails to satisfy certifiable the CDIA ' a enacted CRRG minimums for adequately divulged consumer credit. Compliance of reporting standards is not optional ' I am formally requesting : 1. A thorough investigation into this account 's reporting practices. 
2. A deletion of the XXXX XXXX XXXX XXXX account from my credit file if the reporting can not be corrected to comply with XXXX XXXX and FCRA standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I mailed of a request from the XXXX different credit bureau and I have not heard anything back from them. I put in a request last year also and received nothing from them. So 2 years in a row I have requested my credit and have not received anything back or heard anything from them. They also sold my information to XXXX different companies without my consent. Also when I tried to login to the account it said it was invalid. I tried calling and I tried changing my password to see if that was a problem and I still cant login. Then I tried calling and no one answered or responded to me. I have not received anything in the mail about it. I havent received anything. 
And I already apply and got most of the loans refunded and removed from my account.

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