vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: TX

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 2025-09-12 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: NC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account XXXX : XXXX XXXX, Account 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 2025-09-12 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: TX

Complaint narrative:
I am filing this report to address errors on my credit report. Equifax has confirmed a system issue that caused my personal information to be leaked and used without authorization. Due to this, I have experienced denials, and I request that the matter be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-09-12 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:
The XXXX XXXX account was included in my XXXX  XXXX bankruptcy and discharged. The account was closed on XX/XX/year>, with a {$0.00} balance. However, TransUnion, Equifax, and Experian continue to report late payments and derogatory marks after the discharge date. This is inaccurate, misleading, and not in compliance with Metro 2 reporting guidelines and the Fair Credit Reporting Act ( FCRA ). 

Once an account is discharged in bankruptcy, the balance must be reported as {$0.00}, the account status must be closed/discharged, and no new late or derogatory marks should appear after the discharge date. The three bureaus are reporting this account inconsistently, which is causing harm and confusion.

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 2025-09-12 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: MI

Complaint narrative:
The XXXX XXXX account was included in my XXXX  XXXX bankruptcy and discharged. The account was closed on XX/XX/year>, with a {$0.00} balance. However, TransUnion, Equifax, and Experian continue to report late payments and derogatory marks after the discharge date. This is inaccurate, misleading, and not in compliance with Metro 2 reporting guidelines and the Fair Credit Reporting Act ( FCRA ). 

Once an account is discharged in bankruptcy, the balance must be reported as {$0.00}, the account status must be closed/discharged, and no new late or derogatory marks should appear after the discharge date. The three bureaus are reporting this account inconsistently, which is causing harm and confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

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. 

INQUIRY : XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
I am filing this report to address errors on my credit report. Equifax has confirmed a system issue that caused my personal information to be leaked and used without authorization. Due to this, I have experienced denials, and I request that the matter be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
According to 15 USC 1666B, this charge is in error, as all payments were made as agreed.

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 2025-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Central Research Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : [ Insert Todays Date ] To : Experian, XXXX XXXX XXXXXXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion, XXXX. XXXX 2000, XXXX, PA XXXX Subject : Credit Report Dispute Inaccurate XXXX XXXX Late Payment To Whom It May Concern, I am writing to formally dispute the reporting of a late payment on my student loan account connected to XXXX XXXX University. This information is inaccurate and misleading. 

I have filed a XXXX XXXX to Repayment application with the XXXX Department of Education, asserting that XXXX XXXX University misrepresented its program. Because of these misrepresentations, I did not receive the education or career outcomes promised, which directly affected my ability to repay the loan. The validity of this loan is currently under federal review. 

As such, reporting this loan as delinquent or late while it is in active dispute is unfair, inaccurate, and harmful to my credit standing. I request that you : XXXX. Remove the late payment from my credit report. 
XXXX. Correct the account reporting to reflect the loans disputed status. 
XXXX. Provide me with the results of your investigation in writing. 

Please see the enclosed documentation, including my XXXX XXXX acknowledgment from the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
I checked my credit reports and noticed I had late payments and accounts that have been charged off on the following accounts. It was due data breaches and someone hacking my account and it prevented me from making payments. The following accounts have been compromised and I would like the entire accounts removed and blocked from my credit report because they are preventing me from getting approved for credit. XXXX XXXX ACCT : XXXX XXXX XXXX ACCT : XXXX XXXX  ACCT : XXXX XXXX XXXX ACCT : XXXX XXXX  XXXX ACCT : XXXX XXXX  ACCT : XXXX XXXX  ACCT : XXXX XXXX  ACCT : XXXX XXXX  ACCT : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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 am filing this complaint to dispute multiple charge-off accounts and inquiries being reported on my credit file that are inaccurate, unverifiable, or duplicative. These errors are causing significant harm to my credit standing and do not reflect my true financial situation. 
Disputed Accounts and Issues : XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$3300.00}. This reporting is not properly substantiated and may be inaccurate. 
XXXX XXXXXXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$1600.00}. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$2600.00}. The account appears to remain derogatory despite inconsistencies. XXXX XXXX XXXX XXXX XXXX XXXX  AcctXXXX XXXX XXXX  ) Another charge-off listed with a balance of {$2300.00}, creating a possible duplicate entry. XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$4800.00} without clear verification. 
XXXX ( Acct. XXXXXXXX XXXX XXXX  Charge-off showing a balance of {$6700.00}. 
XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported with a balance of {$1900.00} ; requires verification due to inconsistencies. 
XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported with a balance of {$900.00}, but lacking proper substantiation. 
Inquiries in Dispute : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear without my authorization or adequate permissible purpose documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
I am filing this complaint to dispute multiple charge-off accounts and inquiries being reported on my credit file that are inaccurate, unverifiable, or duplicative. These errors are causing significant harm to my credit standing and do not reflect my true financial situation. 
Disputed Accounts and Issues : XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$3300.00}. This reporting is not properly substantiated and may be inaccurate. 
XXXX XXXXXXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$1600.00}. XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported charge-off with a balance of {$2600.00}. The account appears to remain derogatory despite inconsistencies. XXXX XXXX XXXX XXXX XXXX XXXX  AcctXXXX XXXX XXXX  ) Another charge-off listed with a balance of {$2300.00}, creating a possible duplicate entry. XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a charge-off with a balance of {$4800.00} without clear verification. 
XXXX ( Acct. XXXXXXXX XXXX XXXX  Charge-off showing a balance of {$6700.00}. 
XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported with a balance of {$1900.00} ; requires verification due to inconsistencies. 
XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported with a balance of {$900.00}, but lacking proper substantiation. 
Inquiries in Dispute : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear without my authorization or adequate permissible purpose documentation.

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 2025-09-12 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: TX

Complaint narrative:
The account was included without verified proof, violating 15 U.S.C. 1681i ( 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 2025-09-12 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:
I am formally requesting the removal and correction of the late payment inaccurately reported on my credit file. My consistent payment history confirms that this entry is erroneous. Its reporting misleads lenders and unfairly damages 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 explanation
Consumer complaint received 2025-09-12 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-12 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: TX

Complaint narrative:
No documentation backs this account, placing it in violation of 15 U.S.C. 1681i ( 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 2025-09-12 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

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. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: SC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with 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 2025-09-12 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: TX

Complaint narrative:
This is an erroneous charge under 15 USC 1666B ; all obligations have been met punctually.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Date ] Maps XXXX & XXXX Collections [ Debt XXXX Address ] [ City, State, XXXX ] Re : Request for Debt Validation [ Account/Reference Number ( XXXX ) ] To Whom It May Concern, I am disputing and requesting full validation of the alleged debts you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive proper documentation before any collection activity continues. 
Please provide : XXXX. The original signed contract or agreement showing I am legally responsible for these debts. 
XXXX. A full account history, including all charges, interest, and payments. 
XXXX. Proof that Maps XXXX and XXXX ( or their agents ) have the legal right to collect these debts, including documentation of assignment or transfer from the original creditor ( XXXX ). 
XXXX. The name and address of the original creditor, if different. 
Until you provide full validation, you must cease all collection efforts and stop reporting these accounts to any credit bureaus. Reporting or attempting to collect unvalidated debts violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not provide proper validation, I demand these accounts be deleted from all credit reporting agencies and that you cease further contact with me. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation