vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: DC

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of the following account that has been reported on my credit file : Creditor Name : XXXX  XXXX bank Account Number ( partial ) : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed Current Balance : {$1000.00} I did not open or authorize this account and believe it to be the result of identity theft or fraudulent activity. On multiple occasions, I attempted to contact the company that reported this account to request full information and documentation. They have failed to respond or provide any verification. 
Under the Fair Credit Reporting Act ( FCRA ), any information that can not be verified must be removed from my credit report. Because no response or validation has been provided, I am requesting that this fraudulent account be immediately deleted from all records held by your bureau. 

Please confirm in writing that the investigation has been completed and that this account has been removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX XXXX : XX/XX/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 2025-08-06 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: DC

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of the following account that has been reported on my credit file : Creditor Name : XXXX  XXXX bank Account Number ( partial ) : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed Current Balance : {$1000.00} I did not open or authorize this account and believe it to be the result of identity theft or fraudulent activity. On multiple occasions, I attempted to contact the company that reported this account to request full information and documentation. They have failed to respond or provide any verification. 
Under the Fair Credit Reporting Act ( FCRA ), any information that can not be verified must be removed from my credit report. Because no response or validation has been provided, I am requesting that this fraudulent account be immediately deleted from all records held by your bureau. 

Please confirm in writing that the investigation has been completed and that this account has been removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX XXXX : XX/XX/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 2025-08-06 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: GA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-06 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: GA

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
I am disputing an account listed on my credit report under the name XXXX  or XXXX  XXXX  XXXX, account number ending in XXXX. I do not recognize this account, have never opened it, and have no knowledge of any related debt. I believe this is either a case of mistaken identity or inaccurate reporting. 

I first noticed the account on my credit report through XXXX XXXX. I contacted them, and they confirmed that the data was pulled from TransUnion and Equifax and that I should file a dispute directly with the credit bureaus. 

This account is negatively impacting my credit, and I request that the credit bureau provide verification of the account, including any documents with my signature. If they can not validate it, I am requesting the immediate removal of this account from my credit report as required under the Fair Credit

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 2025-08-06 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 formally disputing the reporting of an inaccurate address that appears on my credit file. This address is not affiliated with me in any wayI have never resided at, received mail at, or conducted any transactions from this location. Including this incorrect personal information creates a misleading and potentially harmful credit profile. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into this inaccurate address. If the address can not be verified as directly and lawfully connected to me, it must be corrected or permanently removed from 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 explanation
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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 am writing to formally dispute the accounts listed below, which continue to appear on my credit report despite your previous investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly disagree with the reporting of these accounts and request that they be immediately re-investigated. The inaccuracies associated with these listings are highly injurious to my credit score.

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), I request that you provide the names and business addresses of each individual with whom you verified the above information so that I may follow up directly.

Upon completion of this reinvestigation, please send me an updated copy of my credit report reflecting your findings.

Thank you for your immediate attention to this matter.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XX/XX/year>, FORMAL DEMAND FOR FILE DISCLOSURE AND INVESTIGATION CHEXSYSTEMS MALICIOUS AND INACCURATE RECORDS EFFECTUATED ALLY BANK ACCOUNT DENIAL FORMAL DEMAND FOR FILE DISCLOSURE AND INVESTIGATION CHEXSYSTEMS RECORD AND XXXX XXXX DENIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsharing I was recently denied a bank account by XXXX XXXX  based on information they received from ChexSystems. I have never had any bank account overdrafts, or fraud flags to justify this denial. I believe the information ChexSystems provided is inaccurate, outdated, or fraudulent and has severely harmed my ability to access basic financial services. 

I requested a copy of my consumer file from ChexSystems but was blocked by a faulty automated identity system that presented incorrect address history unrelated to me. I was unable to proceed with a file request due to these false identifiers. 

This appears to be a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting : A manual review of my identity and full disclosure of my ChexSystems file, especially the exact report sent to XXXX XXXX. 
Immediate investigation and removal of any inaccurate or unverified information.

An update to all financial institutions that may have received this incorrect report. 

This denial is causing severe hardship and appears to be part of a broader pattern of fraudulent or retaliatory reporting against me. I have attached supporting documentation and a formal dispute letter to ChexSystems. 

Please investigate this matter promptly and ensure that my consumer rights under the FCRA are upheld.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCash Holding LLC
State: MO

Complaint narrative:
I have already paid off a debt and it had been collected by this company, they are still trying to collect a debt that has already been collected back in 2022 and said it was completed now here come a new debt that i have no knowledge of again, they took XXXX of of my check which i need back i take care of everything on my own, i need prof of this loan or whatever they say i took out i have been a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XXXX Account Name : XXXX # XXXX - Date Opened XXXX  Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXL # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
Experian is reporting an apartment-related debt under XXXX XXXX that is not mine. I have never lived in XXXX  XXXX, I never signed a lease for that unit, and I am not responsible for any debt associated with it. 

I disputed this information with Experian and clearly explained that I never lived in that unit. I also offered documentation to support this, including my actual lease agreement and utility bills which prove I lived elsewhere. Despite this, Experian refused to properly investigate and continues to report the inaccurate debt. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under Section 611, Experian is required to conduct a reasonable investigation and remove unverifiable or incorrect information. They have failed to do so, and I am now being harmed by the continued reporting of a debt I do not owe. 

I request the CFPB to investigate Experians failure to comply with the FCRA and take appropriate enforcement action.

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 2025-08-06 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: FL

Complaint narrative:
XX/XX/2025 Subject : Formal Dispute of Inaccurate Reporting XXXX  Card Account To Whom It May Concern, I am writing to dispute the accuracy of information being reported on my credit file concerning a XXXX Card account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account is listed as charged off with a balance of {$860.00}. However, I believe the reporting contains incorrect and potentially outdated information. 
Specific concerns : - The balance may no longer be valid- The charge-off status and payment history may be inaccurate - No updated verification or account validation has been provided In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting that the credit bureaus reinvestigate this account.

Please complete the following : 1. Verify all reported information with the creditor 2. Remove or correct any inaccuracies, unverifiable items, or outdated entries 3. Delete account from credit report XXXX. Send me a written response with the results of the reinvestigation Included with this letter are : - A copy of my government-issued ID - Proof of current address - A copy of the credit report with the XXXX Card item highlightedThank you for your assistance in correcting this matter. 
Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-06 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
I enrolled in National Debt Reliefs ( NDR ) debt settlement program and saved over {$5000.00} in the associated savings account to help settle a lawsuit. I was informed that NDR negotiated with one of my creditors, but I was later sued by that same creditor because they never received any funds from NDR or their partner, XXXX. 

Due to this failure, I canceled my account with NDR last year XX/XX/XXXX. When I called on XX/XX/XXXX, I was told my refund was processed back in XX/XX/XXXX once I finally received a POA statement. I called and they said they processed my refund to my bank account ending in XXXX. However, I never received any refund or documentation confirming the transaction. Ive received no response from NDR or XXXX, despite repeated follow-ups. 

This refund was supposed to include the money I had saved during my enrollment in their program. Im requesting assistance in recovering my full refund and an official breakdown of how my funds were used ( if at all ).

Company response to consumer: Closed with explanation