vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am a victim of identity theft. Someone used my information to open fraudulent accounts. I XXXX XXXX XXXX Filing this CFPB complaint request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, TransUnion and XXXX  credit reporting agencies, 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. These accounts consist of, 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 XXXX XXXX XXXX XXXX XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-06-13 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: MI

Complaint narrative:
I am filing this complaint against Experian due to inaccurate and unverifiable information currently appearing on my credit report. Specifically, the XXXX XXXX account is reporting XXXX ( XXXX ) late payments on my Experian report. However, this same account appears on both Equifax and TransUnion with XXXX late payments, which indicates an inconsistency in reporting. These late payments are XXXX  my credit profile and must be corrected. I am requesting that the XXXX late payments on the XXXX XXXX account be removed from my Experian report so that it reflects consistent and accurate information across all bureaus. 

In addition to Experian, I want to highlight that Equifax also shows the XXXX XXXX account correctly with no late payments. However, Equifax is reporting collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Similarly, TransUnion reflects the XXXX XXXX account with no late payments, but includes collections from XXXX XXXX XXXX and XXXXXXXX XXXX 

Its important to note that XXXX XXXX and XXXX XXXX XXXX are both reporting the same debt under different names. This is a clear case of duplicate reporting, which is misleading and XXXX A debt should not be reported more than once by different agencies or names, as it inflates the appearance of XXXX XXXX XXXX impacts my XXXX XXXX. These duplicate and unverified collections need to be removed immediately. 

Moreover, these collection accounts are being reported without any original contracts, signed agreements, or proper validation of the alleged debts. Under the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX, I have the right to request full verification of these debts. Since no such documentation has been provided, and given the duplicative and conflicting nature of the reporting, these accounts should not be appearing on my credit file at all. 

I have attempted to resolve these issues directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting that the CFPB investigate these reporting discrepancies. I am specifically asking for the removal of the XXXX late payments from the XXXX XXXX account on Experian, and the deletion of the collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX across all three bureaus due to lack of validation and improper duplicate 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 non-monetary relief
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I am filing this complaint against Experian due to inaccurate and unverifiable information currently appearing on my credit report. Specifically, the XXXX XXXX account is reporting XXXX ( XXXX ) late payments on my Experian report. However, this same account appears on both Equifax and TransUnion with XXXX late payments, which indicates an inconsistency in reporting. These late payments are XXXX  my credit profile and must be corrected. I am requesting that the XXXX late payments on the XXXX XXXX account be removed from my Experian report so that it reflects consistent and accurate information across all bureaus. 

In addition to Experian, I want to highlight that Equifax also shows the XXXX XXXX account correctly with no late payments. However, Equifax is reporting collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Similarly, TransUnion reflects the XXXX XXXX account with no late payments, but includes collections from XXXX XXXX XXXX and XXXXXXXX XXXX 

Its important to note that XXXX XXXX and XXXX XXXX XXXX are both reporting the same debt under different names. This is a clear case of duplicate reporting, which is misleading and XXXX A debt should not be reported more than once by different agencies or names, as it inflates the appearance of XXXX XXXX XXXX impacts my XXXX XXXX. These duplicate and unverified collections need to be removed immediately. 

Moreover, these collection accounts are being reported without any original contracts, signed agreements, or proper validation of the alleged debts. Under the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX, I have the right to request full verification of these debts. Since no such documentation has been provided, and given the duplicative and conflicting nature of the reporting, these accounts should not be appearing on my credit file at all. 

I have attempted to resolve these issues directly with the credit bureaus but have not received a satisfactory resolution. Therefore, I am requesting that the CFPB investigate these reporting discrepancies. I am specifically asking for the removal of the XXXX late payments from the XXXX XXXX account on Experian, and the deletion of the collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX across all three bureaus due to lack of validation and improper duplicate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXXXXXXXXXX XXXX, GA XXXX ExperianXXXX  XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information - Fair Credit Reporting Act Violation Dear Sir/Madam, I am writing to dispute letter due to inaccurate information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report from both XXXX and Experian, I have found discrepancies that need immediate attention. I request that you conduct an expedited investigation into the following accounts, which I believe are reported in error and remove them.My Identity has been compromised and I believe that my Information has been exposed in a data breach, those Discrepancies are Listed Below : XXXX XXXX XXXX XXXX  XXXX {$7900.00} Allegedly Owed ( idk What this is I have no Information about this ) XXXX XXXX XXXX {$790.00} Allegedly Owed ( Never Had XXXX ) XXXX XXXX XXXX XXXX Allegedly Owed ( Idk what this is I dont Owe Anyone anything in any apartments I lived with my Brother ) XXXX XXXX XXXX XXXX {$330.00} Allegedly Owed ( Not Me, Never received any information about this account opening or Closing ) I am aware of the recent lawsuit against your company involving violations of the Fair Credit Reporting Act, and I am asserting my right under this law to have this erroneous information corrected or removed from my credit report. The FCRA requires that any information found to be inaccurate or unverifiable must be promptly corrected or deleted from my report. Given the nature of the lawsuit and the acknowledgment that credit reporting inaccuracies can lead to severe consequences, I respectfully request that the disputed accounts be investigated thoroughly and removed if found to be incorrect. 
According to the FCRA, I am entitled to a response within 30 days, but I would appreciate an expedited review and resolution within five ( 5 ) business days to avoid further harm to my credit standing.

Please provide written confirmation of the results of your investigation, as well as a corrected copy of my credit report once the inaccuracies have been addressed. 
Thank you for your prompt attention to this matter. I trust you will comply with the FCRA and correct these errors as quickly as possible. 

Sincerely, 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 explanation
Consumer complaint received 2025-06-13 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: CT

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 2025-06-13 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: VA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding unauthorized and duplicate hard inquiries listed on my credit report by XXXXXXXX XXXX , both dated XX/XX/year>. These inquiries are currently appearing on my credit profile without my authorization or permissible purpose, as defined under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ). 
Disputed Inquiries : XXXX XXXX XXXXXX/XX/year> Legal Grounds : Under FCRA 604 ( a ), a credit reporting agency may only furnish a consumer report under specific circumstances and with a permissible purpose, such as when a consumer initiates a credit transaction. I did not apply for any credit or authorize XXXX XXXX to run a hard inquiry on this date, let alone two separate pulls on the same day.

Furthermore, FCRA 604 ( c ) ( 1 ) ( A ) requires that prior written authorization be obtained for credit or insurance transactions not initiated by the consumer. No such authorization was provided. 
The presence of duplicate inquiries also violates the principles of accuracy under FCRA 607 ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy.

Impact and Request : These inquiries are negatively affecting my credit standing. Inquiries of this nature are used in credit scoring models and can reduce my score and raise red flags for future lenders. The fact that these entries are duplicated only exacerbates the harm caused. 
I respectfully request : The immediate removal of both XXXX XXXX inquiries dated XX/XX/year>XXXX  from all of my credit reports. 
An investigation into how these inquiries were placed without a permissible purpose or written authorization. 
Written confirmation that these unauthorized inquiries have been deleted. 
Supporting Rights : FCRA 604 ( a ) No permissible purpose FCRA 604 ( c ) ( 1 ) ( A ) No written consent FCRA 607 ( b ) Inaccurate or duplicate reporting FCRA 611 Right to dispute inaccurate information Please consider this complaint urgent and process it under your consumer rights enforcement responsibilities.

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 2025-06-13 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: VA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding unauthorized and duplicate hard inquiries listed on my credit report by XXXXXXXX XXXX , both dated XX/XX/year>. These inquiries are currently appearing on my credit profile without my authorization or permissible purpose, as defined under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ). 
Disputed Inquiries : XXXX XXXX XXXXXX/XX/year> Legal Grounds : Under FCRA 604 ( a ), a credit reporting agency may only furnish a consumer report under specific circumstances and with a permissible purpose, such as when a consumer initiates a credit transaction. I did not apply for any credit or authorize XXXX XXXX to run a hard inquiry on this date, let alone two separate pulls on the same day.

Furthermore, FCRA 604 ( c ) ( 1 ) ( A ) requires that prior written authorization be obtained for credit or insurance transactions not initiated by the consumer. No such authorization was provided. 
The presence of duplicate inquiries also violates the principles of accuracy under FCRA 607 ( b ), which mandates that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy.

Impact and Request : These inquiries are negatively affecting my credit standing. Inquiries of this nature are used in credit scoring models and can reduce my score and raise red flags for future lenders. The fact that these entries are duplicated only exacerbates the harm caused. 
I respectfully request : The immediate removal of both XXXX XXXX inquiries dated XX/XX/year>XXXX  from all of my credit reports. 
An investigation into how these inquiries were placed without a permissible purpose or written authorization. 
Written confirmation that these unauthorized inquiries have been deleted. 
Supporting Rights : FCRA 604 ( a ) No permissible purpose FCRA 604 ( c ) ( 1 ) ( A ) No written consent FCRA 607 ( b ) Inaccurate or duplicate reporting FCRA 611 Right to dispute inaccurate information Please consider this complaint urgent and process it under your consumer rights enforcement responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal XXXX XXXX account that was fraudulently opened in my name, as well as several unauthorized XXXX inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent XXXX  inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and XXXX all fraudulent accounts, collections, and XXXX inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief