vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
I recently discovered an installment loan account from " XXXX XXXX '' appearing on my credit report. I did not authorize, apply for, or open any account with this company. I have never heard of or had any dealings with XXXX XXXX. This appears to be identity theft or a serious reporting error. 

The account was opened without my consent, and I was not notified prior to its reporting. I have not received any bills, notices, or communication from XXXX XXXX. This inaccurate entry has negatively impacted my credit score and financial well-being. 

I am requesting that this account be removed entirely from my credit report and that the furnisher be contacted and investigated for reporting inaccurate information without consumer verification or authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
I am filing this complaint with absolute certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore, as they have been seriously harming both my credit score and my ability to achieve financial freedom and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: FL

Complaint narrative:
This account was opened on XX/XX/XXXX and officially closed on XX/XX/XXXX with a {$0.00} balance and a {$2400.00} credit limit. It was included in a XXXX  XXXX XXXX, as shown in the remarks section. However, the payment history shows : No late payments ( XXXX ) No amount past due No worst payment status A final payment was made as recently as XX/XX/XXXX Despite these facts, the account is inaccurately flagged with remarks stating : " Dispute resolvedconsumer disagrees '' and " Dispute resolvedsubscriber disagrees '' This implies there was a dispute or disagreement that still affects the credit file even though the account shows clean payment history, no delinquencies, and was discharged through a lawful bankruptcy process.

The continued inclusion of these remarks is both misleading and punitive. The Fair Credit Reporting Act requires consumer reporting agencies to ensure maximum possible accuracy of the data reported ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX Under 15 USC 1666B, it is unlawful for a creditor to report a payment as late if they have not ensured the periodic statement, containing the necessary details as per section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. The creditors associated with these accounts have failed to meet this statutory requirement. As such, all reported late payments must immediately be corrected to reflect on-time payments.

Furthermore, I have experienced unlawful adverse actions by lenders, violating 15 USC 1691c and 15 USC 1692k. These actions are punishable under civil liability laws. Discrimination in credit decisions, as outlined in 15 USC 1691, is strictly prohibited. Additionally, unauthorized hard inquiries have been placed on my consumer report, despite my never granting consent for their disclosure or use. Such actions violate 15 USC 1681b, and I demand the immediate removal of all unauthorized hard inquiries and any inaccurate personal information from my report.

Reporting any unverifiable information is illegal under federal law. Per 15 USC 1692g, you are required to provide tangible proof that I am legally obligated to these accounts. Your failure to provide such documentation constitutes a violation of the FCRA and FDCPA, and I remind you that any data not independently verified must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I am a victim of identity theft, someone or someones has stolen my information and used my name and social to open these accounts. Ive never gave anyone permission or authorization to open these accounts without my consent. Inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I am a victim of identity theft, someone or someones has stolen my information and used my name and social to open these accounts. Ive never gave anyone permission or authorization to open these accounts without my consent. Inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: MS

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, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and misleading bankruptcy-related remarks reported by XXXX XXXX on two closed credit card accounts.

Both accounts : Carried {$0.00} balances Were closed before my XXXX XXXX  filing Had XXXX late payments Were not charged off or delinquent Despite this, XXXX  XXXX is reporting XXXX  XXXX XXXX  on both accounts, along with Account closed by credit grantor and Dispute resolved reported by grantor. These remarks are contradictory and false. 

This is a direct violation of : FCRA 1681e ( b ) Reporting must be accurate and complete FCRA 1681s-2 ( b ) Duty of furnishers to correct disputed info UDAAP Harmful, misleading reporting that suppresses my credit recovery These accounts were not included in the bankruptcy and should not carry any bankruptcy reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and misleading bankruptcy-related remarks reported by XXXX XXXX on two closed credit card accounts.

Both accounts : Carried {$0.00} balances Were closed before my XXXX  XXXX filing Had XXXX late payments Were not charged off or delinquent Despite this, XXXX  XXXX is reporting XXXXXXXX XXXX XXXX on both accounts, along with Account closed by credit grantor and Dispute resolved reported by grantor. These remarks are contradictory and false.

This is a direct violation of : FCRA 1681e ( b ) Reporting must be accurate and complete FCRA 1681s-2 ( b ) Duty of furnishers to correct disputed info UDAAP Harmful, misleading reporting that suppresses my credit recovery These accounts were not included in the bankruptcy and should not carry any bankruptcy reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with APPLE BANK or any of the affiliates. I have confirmed and advised APPLE BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how APPLE BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that APPLE BANK has the right to investigate and obtain all necessary information prior to approving any credits, APPLE BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, APPLE BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that APPLE BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to APPLE BANK 'S online advertisement, APPLE BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from APPLE BANK stating that my information was used or attempted to be used in order to open an account. Thus, APPLE BANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, APPLE BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for APPLE BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
Dear CFPB I hope this message finds you well. 

I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 

In light of these regulations, I must highlight that XXXX ( Account # XXXX ) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 

I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-08-01 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: NY

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I looked at a copy of my credit. The report I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
It's my understanding that the credit bureaus will investigate this account and for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXXXXXX 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I looked at a copy of my credit. The report I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
It's my understanding that the credit bureaus will investigate this account and for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
I am filing this complaint with absolute certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore, as they have been seriously harming both my credit score and my ability to achieve financial freedom and stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within XXXX days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief