vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
The deletion or suppression of accounts related to data breaches and unauthorized inquiries aligns with FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which governs the blocking of information resulting from fraud. FCRA Section 604 [ 15 U.S.C. 1681b ], outlining permissible purposes for accessing consumer reports, also applies.

I am formally disputing the accounts, personal information, and inquiries listed below, as they appear to stem from fraudulent activity or data breaches. I demand concrete, verifiable evidence bearing my physical or electronic signature. This communication is a personal and direct request requiring your thorough review.

Any reporting actions taken without my explicit consent violate my rights under the FCRA, specifically Section 605B and Section 604. I have contacted the companies involved and confirmed that these entries were made without proper validation or original supporting documentation. This failure to comply highlights the urgency of resolving the matter in line with federal law. 

Personal Information Being Disputed : Incorrect Name : XXXX XXXX Employer : XXXX  Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Accounts Being Disputed : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Being Disputed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 XXXXXXXX I expect a prompt written response confirming the actions you will take to correct or delete this inaccurate information. Failure to respond within the legally allowed timeframe will result in further action, including legal recourse under the FCRA. 

Please address this matter urgently and contact me at the address listed on file if additional information is needed.

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 2025-06-12 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: NY

Complaint narrative:
The deletion or suppression of accounts related to data breaches and unauthorized inquiries aligns with FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which governs the blocking of information resulting from fraud. FCRA Section 604 [ 15 U.S.C. 1681b ], outlining permissible purposes for accessing consumer reports, also applies.

I am formally disputing the accounts, personal information, and inquiries listed below, as they appear to stem from fraudulent activity or data breaches. I demand concrete, verifiable evidence bearing my physical or electronic signature. This communication is a personal and direct request requiring your thorough review.

Any reporting actions taken without my explicit consent violate my rights under the FCRA, specifically Section 605B and Section 604. I have contacted the companies involved and confirmed that these entries were made without proper validation or original supporting documentation. This failure to comply highlights the urgency of resolving the matter in line with federal law. 

Personal Information Being Disputed : Incorrect Name : XXXX XXXX Employer : XXXX  Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Accounts Being Disputed : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Being Disputed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 XXXXXXXX I expect a prompt written response confirming the actions you will take to correct or delete this inaccurate information. Failure to respond within the legally allowed timeframe will result in further action, including legal recourse under the FCRA. 

Please address this matter urgently and contact me at the address listed on file if additional information is needed.

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 2025-06-12 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction.

1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses do not correspond to my current or previous residences.

My correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Last year around XXXX I applied for credit at Lane Bryant and made a purchase for {$5.00} and my card never arrived but I did get an online statement to pay, since I had no card for account I contacted them and they said I could go in person to pay XXXX but they were going to add a late fee. I refused to pay the late fee and as a result they keep adding late fees. I have called, written letters with no success. Recently they charged off my account due to all the lates fees and my perfect score has been tarnished. I have numerous cards and I am never later, I always pay before any interest is applied. Comenity bank is a nightmare. Pls help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-12 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction.

1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Washington 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 2025-06-12 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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 2025-06-12 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-12 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-12 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 recently reviewed a copy of my credit report. I noticed that I have fraudulent accounts on my report. Please remove these accounts from my credit report, as they are hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-06-12 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-06-12 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: NJ

Complaint narrative:
Im completely exhausted and frustrated from having to dispute this unauthorized XXXX XXXX account for over a year. I never gave any verbal or written consent, and never authorized anyone to use or report my personal information in connection with this account. Yet, despite my repeated disputes, this account continues to appear on my credit report, and I continue to receive the same generic and inadequate response : that the account was continued, with no actual proof, no investigation results, no documents, and no explanation. This response is both meaningless and unacceptable. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), beginning with 15 U.S.C. 1681b, which restricts the use of consumer reports to entities with a permissible purpose. I did not give consent for my consumer file to be accessed or reported, meaning there was no permissible purpose for this account to be included in my credit report in the first place. This situation violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy. Clearly, this standard is not being met the fact that this unauthorized account continues to be reported despite multiple disputes proves there was no meaningful investigation into its accuracy or legitimacy. It also violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and to delete or modify any information that can not be verified. Simply replying with continued without providing supporting documentation, furnishing a clear method of verification, or identifying the source of the so-called verification is not a reasonable investigation ; its a clear failure of statutory responsibility. Experian 's repeated failure to remove this unauthorized account after being placed on notice through multiple disputes reflects both willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. These violations expose the responsible parties to civil liability, including actual damages, statutory damages, punitive damages, attorney 's fees, and costs. This ongoing situation has caused me emotional distress, damaged my reputation, interfered with my financial opportunities, and continues to undermine the integrity of my consumer report. I am demanding the immediate and permanent deletion of this unauthorized XXXX XXXX account from my credit file. I also demand written confirmation of its removal, as well as documentation explaining how and why this account was ever verified and reported in the first place.

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 2025-06-12 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:
I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate and unverifiable reporting of an account from XXXX, with account number XXXX * *, which is still being reported by Equifax. 
I have disputed this account with all three major credit bureaus. As a result of my disputes, both XXXX  and XXXX  deleted the account from my credit file after failing to verify its accuracy. However, Equifax continues to report the account as a charge-off with comments indicating it was a paid charge-off related to a depositdespite showing {$0.00} balance, {$0.00} past due, and no payment history since XX/XX/XXXX. 
This reporting is misleading, incomplete, and no longer relevant under FCRA standards. Furthermore : The account type is labeled as an open account yet has a {$0.00} balance, XXXX XXXX  monthly payment, and no terms. 
The payment history displays only OK statuses with no negative marks to justify the charge-off status. 
The last payment date and date last active both reflect over XXXX XXXX  of inactivity, yet the account was reported as recently as XX/XX/XXXX, without any new activity or basis.

Under FCRA 1681i ( a ) and 1681s-2 ( b ), credit reporting agencies and furnishers are obligated to ensure that information reported is accurate, complete, and verifiable. If they can not verify the account, it must be deleted. The fact that Experian and TransUnion removed the account supports the conclusion that it could not be verified. Equifaxs continued reporting is unjustified and damaging. 
I am requesting that the CFPB investigate this matter and compel Equifax and/or XXXX  to delete this unverifiable account from my credit report. 
Attached is a screenshot of the credit report showing the inconsistency and outdated nature of the information. 
Thank you for your time and support in resolving this matter.

Company response to consumer: Closed with non-monetary relief