vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
After reviewing my credit report, I have identified several hard inquiries that I did not authorize or initiate. These inquiries are inaccurately reported and should not appear on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I recently obtained a copy of my credit report and discovered several hard inquiries that I did not authorize. I have not initiated any credit applications recently, nor have I provided permission for my credit information to be accessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
This letter is a formal request for validation of the debt you are attempting to collect. I am writing to you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires you to validate this debt. I dispute this debt and demand strict proof of its validity. I am requesting that you provide me with the following information and documentation to validate this alleged debt : XXXX. The exact amount of the debt, with an itemized breakdown of the principal, interest, fees, and any other charges. 
XXXX. The name and address of the original creditor. 
XXXX. Proof that I am the person obligated to pay this debt. 
XXXX. Proof that you are licensed to collect debts in my state ( if applicable ). 
XXXX. Proof that you are the current owner of this debt or have the legal right to collect on it, including a copy of the original agreement or contract bearing my signature. 
XXXX. A copy of any judgment if the debt is based on a judgment. 
XXXX. The date of the original transaction or last payment. 
XXXX. The date this account was opened by the original creditor. 
Until you provide full validation of this debt as requested, you must cease all collection activities, including contacting me or reporting this debt to any credit reporting agency. If you have already reported this debt to any credit reporting agency ( such as XXXX, XXXX, or XXXX  ), I demand that you immediately notify them that the debt is disputed. Please be advised that if you fail to provide the requested validation within XXXX  days of your receipt of this letter, I will assume the debt is not valid, and you must cease all collection efforts and remove any negative marks from my credit report related to this debt. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: MO

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 disputedentries.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Federal Account Number : XXXX Account Name : US BKPT CT XXXX XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/year> 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 2025-07-17 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: MO

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 disputedentries.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Federal Account Number : XXXX Account Name : US BKPT CT XXXX XXXX XXXX Account Number : XXXX Account Name : U.S. Bankruptcy Court Account Number : XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This letter serves as a formal dispute of unauthorized hard inquiries that appear on my credit file. I have not applied for credit or granted permission to any entity to access my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting the removal of all late payment notations associated with the following accounts, as the creditors failed to provide proper notice of payment due dates or delinquency before reporting them : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXXXXXX These late payments are being disputed because I did not receive adequate notice or reminders prior to the reported delinquencies. Without documented proof that timely notice was provided, the accuracy and fairness of these entries are in question. 

I request the following : Immediate reinvestigation of these late marks Removal of any late payment notations that can not be verified with documented proof of proper notice Written confirmation of the outcome of your investigation and a copy of my updated credit report reflecting any changes I believe this is a fair and lawful resolution under the Fair Credit Reporting Act ( FCRA ) and expect completion of this request within XXXX  days, per FCRA 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
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 XXXX XXXX  - Date Opened XXXX/XXXX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
I am disputing multiple hard inquiries on my credit report that I did not authorize or recognize. I take great care in monitoring my credit and can confirm that I did not engage in any activity that would justify these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing one or more charged-off accounts on my credit report that report a balance of {$2800.00}. The accounts contain several inaccuracies, including : High credit listed as {$0.00} while showing a balance of {$2800.00} Duplicate reporting of identical balances across multiple accounts Credit limits inconsistent with reported balances and usage Conflicting comments such as dispute resolved, in dispute, and charged off Different Date Last Active entries with the same last payment date Due to these errors and inconsistencies, I am requesting that this account be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), as the information is not accurate or verifiable. 

Please investigate and provide a response within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing one or more charged-off accounts on my credit report that report a balance of {$2800.00}. The accounts contain several inaccuracies, including : High credit listed as {$0.00} while showing a balance of {$2800.00} Duplicate reporting of identical balances across multiple accounts Credit limits inconsistent with reported balances and usage Conflicting comments such as dispute resolved, in dispute, and charged off Different Date Last Active entries with the same last payment date Due to these errors and inconsistencies, I am requesting that this account be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), as the information is not accurate or verifiable. 

Please investigate and provide a response within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I'm trying to get an old XXXX account removed from my credit report. The company that bought the debt, XXXX XXXX, confirmed in writing that the account has been closed since XX/XX/year> and that they dont report anything to the credit bureaus. 

That means theres no one actively verifying or updating this account. Ive already disputed it, but its still showing up. Im submitting this complaint because whats left on my report isnt accurate or supported anymore. 

Ive attached my letter and XXXX response for proof. Im just asking that this account be taken off my report since no one is maintaining or validating

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I recently discovered an unauthorized hard inquiry on my credit report, which I did not initiate or consent to. This has caused me significant stress and anxiety, as I am very careful about protecting my credit and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I am a confirmed victim of identity theft related to the XXXX XXXX data breach. Fraudulent accounts appeared on my Experian credit report that I did not open or authorize, including accounts from XXXX XXXX XXXX XXXX XXXX I initially disputed the accuracy of these and other items with Experian, requesting verification and deletion of inaccurate information. After discovering these accounts resulted from identity theft, I submitted a formal block request under the Fair Credit Reporting Act ( FCRA ) XXXX, including an FTC Identity Theft Report and proof of my identity. Despite providing all required documentation, Experian has failed to block these fraudulent accounts within the legally required XXXX business days. The inaccurate reporting has caused a significant drop in my credit score and denial of credit. I am requesting the CFPB to investigate Experians failure to comply with FCRA XXXX and to ensure the immediate blocking and removal of the fraudulent accounts 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 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
A medical collection account from Receivable Recovery Services LLC appeared on my credit report for {$290.00}, allegedly tied to XXXX XXXX XXXXXXXX. I was never contacted by this company, never received a written notice, and was unaware this debt was placed in collections. This is medical debt under {$500.00} and should have been removed under the new federal rules issued by the credit bureaus as of XX/XX/year>. I request a full investigation and removal from all credit reporting agencies. This debt is negatively affecting my credit, and I was denied fair notice to verify or resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXXXXXX XXXX XXXXXXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Charge off Account The following account below is being reported as charge off account : Account : XXXX XXXX Account XXXX  ( XXXX ) Last payment Made : XX/XX/year> Date Closed : XX/XX/year> How is it possible to receive payment after account being closed? 



As defined by the IRS : XXXX XXXX  considers a Charge off to be income, either as gross or ordinary income. Income like this does not belong on a credit report, so this information on my report is not accurate! 



By IRS rules, any canceled debt or Charge off is classified as income, reporting this a XXXX a debt is incorrect. 



According to 15 USC 1681s-2 Account name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 



XXXX XXXX 15 USC s-2 ( a ) ( 1 ) ( A ) : a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and, the information is, in fact inaccurate. 

This in summary I've shown you that this information is wrong, and you have been notified, keeping inaccurate inform on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 



Please delete the incorrect information from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX  and XXXX XXXX XXXX accounts for credit cards were in fair standings with both being XXXX  months late on payments. When I called the companies to resolve payments they both told me that I am XXXX months late and on restricted accounts unless paid in a certain amount or the account will be closed in about another month. Plus with the restricted account even if I pay right away the have the right to reopen the accounts. This was absolutely wrong and kinda scary to me. They really didn't care or try to resolve any Matters. Issues with the situation now are being talked about as a settlement ASAP but it was thier fault 100 %. I deserve a refund for all fees, and Opened account to keep myself updated always, and resolve the issue with the magical arrival of XXXX extra late months. Please let me know if you're available to be a help to my poor situations. Thank you and XXXX XXXX  XXXX! - XXXX XXXX XXXX

Company response to consumer: Closed with explanation