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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im contacting you regarding an item on my credit report that is flat-out inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). The information being reported does not meet the standard of maximum possible accuracy, as required by federal law, and for that reason, Im demanding that it be removed from my credit report immediately.

Let me be very clear if youre reporting information under my name, it needs to be 100 % correct and fully verifiable. This item falls short of that, and keeping it on my report is not just negligent, its unlawful. You dont get to sort of follow the FCRA you either meet the legal standard or you don't, and in this case, you clearly dont.

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request the removal of the following personal information from my file. The data appearing on my credit report does not correspond to my actual personal information and was included without my authorization. I am attaching evidence of my correct personal information and respectfully request the immediate removal of the inaccurate data, as it is negatively affecting my credit profile

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the removal of the following personal information from my file. The data appearing on my credit report does not correspond to my actual personal information and was included without my authorization. I am attaching evidence of my correct personal information and respectfully request the immediate removal of the inaccurate data, as it is negatively affecting my credit profile

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Equifax, and Experian is aiding in dual reporting fraudclaiming the debt is both " active '' ( for collections ) and " written off '' ( for tax benefits ) .This violates FCRA 1681s-2 ( furnisher liability ) and 1681e ( b ) ( requiring maximum accuracy ). -Prior response claiming the account was verified is legally deficient and violates multiple federal statutes. They're relying on data furnisher 's responses rather than conducting an actual investigation | XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ). - They have been committed to willfully non compliance -At this time, No verifiable proof of this alleged debt has ever been provided. Legally, this implies no such debt exists. Estoppel by Silence ( XXXX v. XXXX, XXXX S.W. 715, 719 ( Mo. 1926 ) ). - Provide the verification method including the documents showing the legal process and procedures used to verify the item, The date, name, and phone number of the person they contacted to verify the said information, and the contracts with the data furnisher 's that bear my wet ink signature for all CFPB disputes from XXXX and XXXX. If you can not provide any of the above within 15 days ( no time extensions will be permitted ), the accounts are not verified and must be removed immediately. -Numerous violations have occurred, including but not limited to 15 U.S.C . 1681i ( a ) ( 1 ) ( a ), 15 U.S.C. 1681i ( a ) ( 2 ), 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681n, 15 U.S.C. 1681o. Transunion has been the only Credit Reporting Agency to correct this issue. At this time, the CFPB needs to step in.

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: NY

Complaint narrative:
I am seeking your help to begin an investigation into the accounts listed below, which are inaccurately appearing on my credit report. As outlined under USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all necessary documents to support this request. Furthermore, there are inconsistencies in how the information is reported among the credit bureaus.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-02 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: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to demand the immediate deletion of an account that appears on my credit report which was opened and used fraudulently and without my authorization. This is a clear case of identity theft, and I will not accept responsibility for any activity, balances, or consequences tied to this illegitimate account. 

Let me be very clear : I did not open this account. I did not authorize its use. It does not belong to me, and it should never have been associated with my name, Social Security number, or credit file in the first place. Its presence on my report is not only inaccurate but harmful and entirely unjustified.

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: PA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2600.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$850.00} Fraudulent Real Estate Loan Company or Organization : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$250000.00} Fraudulent Information on Credit Reports Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1200.00} Fraudulent Personal or Business Loan Company or Organization : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$3100.00} Accounts or Charges Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$12000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$38000.00} Fraudulent Information on Credit Reports Fraudulent Auto Loan or Lease Company or Organization XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00} Credit Inquiries NOT MINE PLEASE REMOVE XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

. The fraudulent items are placed and documented on my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to BLOCK the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It saddens me that My personal information was involved in a data breach.

I have many spam calls and reporting to my credit profile.

According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report! Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof! ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. 
I demand the accounts to be removed immediately. 
This is causing many difficulties in my life. * please REMOVE all non account holding INQUIRIES over 30 days old XXXX XXXX  * * XXXX XXXX XXXX * * XXXX XXXX * *, XXXX XXXX * XXXX XXXX XXXX * * REMOVE ADDRESS 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 non-monetary relief
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: IN

Complaint narrative:
It saddens me that My personal information was involved in a data breach.

I have many spam calls and reporting to my credit profile.

According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report! Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof! ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. 
I demand the accounts to be removed immediately. 
This is causing many difficulties in my life. * please REMOVE all non account holding INQUIRIES over 30 days old XXXX XXXX  * * XXXX XXXX XXXX * * XXXX XXXX * *, XXXX XXXX * XXXX XXXX XXXX * * REMOVE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis is reporting a XXXX XXXX bankruptcy ( XXXX XXXX. XXXX ) that was not obtained directly from the court but rather pulled from XXXX, a third-party database not authorized under FCRA for verification. I submitted a prior opt-out and data destruction request under Texas law ( Business & Commerce Code 20.1020.11 ), which was ignored. The bankruptcy record is incomplete, unverifiable, and violates FCRA 1681b, 1681e, 1681i, and 1681c, as well as XXXX XXXX standards and Rule 9037 ( improper SSN disclosure ). 

LexisNexis failed to verify the accuracy or furnish original court documentation. They also published conflicting versions of my SSN ( last four vs. full ) and continue to share this information with third parties, despite no permissible purpose. I demand CFPB enforcement for deletion, suppression, and written confirmation. 

Ive attached a formal rebuttal letter with legal citations and supporting details.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-02 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: TX

Complaint narrative:
Upon reviewing my credit report, I found an inquiry that I do not recognize. I did not apply for credit with this company, nor did I authorize or consent to the access of my credit information. This unauthorized activity is deeply concerning and has caused me significant stress and anxiety.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While the state of the economy is concerning, whats far more distressing is the state of my credit report. Its filled with inaccurate information that has caused me immense and ongoing stress. As a consumer, I have a right to accurate reportingand its disheartening to see that right being overlooked. These errors are not only damaging my credit score but also making it harder to manage my financial and personal well-being.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a formal complaint against Chase Bank for unauthorized use of my personal information, creation and enforcement of an alleged financial agreement without my lawful consent, and adverse actions taken against me as a private, non-commercial party. I never knowingly or voluntarily entered into a valid contract with Chase, lacked legal capacity to do so, and was not engaged in any business or corporate activity. Despite this, Chase reported alleged debts, closed accounts, and damaged my credit without proof of a valid agreement or lawful authority. I submitted requests for dispute and arbitration that were ignored or rejected. Their actions constitute identity theft, invasion of privacy, and deprivation of due process under state and federal law. I request that the CFPB investigate these violations and require Chase to cease all further adverse actions.

Company response to consumer: Closed with explanation