vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted an official notarized affidavit ( attached ) demanding deletion of unauthorized names, addresses, accounts, and inquiries that violate Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ). The CRA/furnisher has failed to comply within the legal time frame. I demand permanent deletion of this inaccurate data. Continued reporting violates FCRA 604, 609, 611, 616, and 617. I request enforcement and deletion of all disputed items listed in the attached affidavit. 

The company has failed to comply within the time frames required by law and has not validated these items nor removed them. This is a direct violation of the following FCRA statutes : 602 Right to accuracy, fairness, and privacy 604 ( a ) ( 3 ) No permissible purpose for inquiries 605B Failure to block fraudulent items within 4 business days 609 ( a ) ( 1 ) Refusal to provide signed contracts or documentation 611 ( a ) Failure to correct or delete unverifiable data within 30 days 611 ( a ) ( 5 ) Re-insertion of deleted data without certification 611 ( a ) ( 7 ) Refusal to provide method of verification 623 Furnisher reported false data, did not update or delete errors 616 & 617 Civil liability for willful and negligent noncompliance Additionally, the data is not Metro 2 compliant ( per CDIA standards ), and continues to violate Metro 2 formatting fields, including failure to apply correct Compliance Condition Codes, ECOA codes, and Account Status indicators. 

I am requesting immediate deletion of the disputed items and full enforcement of my consumer rights under federal law. This complaint is being filed concurrently with the FTC, Ohio Attorney General, and may be used in support of legal action under FCRA 616 & 617. 

Attach the following documents : Your signed affidavit Additionally, the data is not Metro 2 compliant ( per CDIA standards ), and continues to violate Metro 2 formatting fields, including failure to apply correct Compliance Condition Codes, ECOA codes, and Account Status indicators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted an official notarized affidavit ( attached ) demanding deletion of unauthorized names, addresses, accounts, and inquiries that violate Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ). The CRA/furnisher has failed to comply within the legal time frame. I demand permanent deletion of this inaccurate data. Continued reporting violates FCRA 604, 609, 611, 616, and 617. I request enforcement and deletion of all disputed items listed in the attached affidavit. 

The company has failed to comply within the time frames required by law and has not validated these items nor removed them. This is a direct violation of the following FCRA statutes : 602 Right to accuracy, fairness, and privacy 604 ( a ) ( 3 ) No permissible purpose for inquiries 605B Failure to block fraudulent items within 4 business days 609 ( a ) ( 1 ) Refusal to provide signed contracts or documentation 611 ( a ) Failure to correct or delete unverifiable data within 30 days 611 ( a ) ( 5 ) Re-insertion of deleted data without certification 611 ( a ) ( 7 ) Refusal to provide method of verification 623 Furnisher reported false data, did not update or delete errors 616 & 617 Civil liability for willful and negligent noncompliance Additionally, the data is not Metro 2 compliant ( per CDIA standards ), and continues to violate Metro 2 formatting fields, including failure to apply correct Compliance Condition Codes, ECOA codes, and Account Status indicators. 

I am requesting immediate deletion of the disputed items and full enforcement of my consumer rights under federal law. This complaint is being filed concurrently with the FTC, Ohio Attorney General, and may be used in support of legal action under FCRA 616 & 617. 

Attach the following documents : Your signed affidavit Additionally, the data is not Metro 2 compliant ( per CDIA standards ), and continues to violate Metro 2 formatting fields, including failure to apply correct Compliance Condition Codes, ECOA codes, and Account Status indicators.

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 2025-07-21 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: CA

Complaint narrative:
I recently looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Experian : Account Name XXXX Account Number XXXX Equifax : Account Name XXXX Account Number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
This letter serves as a formal legal dispute and notice of violations committed by Equifax under the Fair Credit Reporting Act ( FCRA ). I submitted a verified FTC Identity Theft Report ( No. XXXX ) dated XX/XX/XXXX, which includes specific tradelines and credit inquiries that are linked to identity theft and must be immediately blocked from my credit file under 15 U.S.C. 1681c-2 ( FCRA 605B ).

Despite receiving this documentation, Equifax has failed to act in accordance with its obligations. This continued reporting and sharing of fraudulent information constitutes a clear violation of multiple FCRA provisions and is causing direct harm to me as a consumer.

Information Identified in FTC Report and Must Be Blocked Immediately : A. Fraudulent Account : Creditor : XXXX Partial Account # : XXXX Reported Balance : {$25000.00} Status : Charge-Off / Collection Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXXXXXX XXXX Inquiries to Be Blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above were explicitly included in my FTC Identity Theft Report and are currently present on my Equifax credit report, in direct violation of federal consumer protection law.

FCRA Violations Committed by Equifax : 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block the fraudulent account and inquiries within 4 business days of receiving valid identity theft documentation. 


15 U.S.C. 1681i ( a ) Failure to reasonably reinvestigate and delete disputed, unverifiable information.

15 U.S.C. 1681b ( f ) Permitting impermissible access to my consumer file through fraudulent inquiries.

15 U.S.C. 1681e ( b ) / 607 ( b ) Failure to maintain procedures to ensure maximum possible accuracy in consumer reporting.

Enclosures : FTC Identity Theft Report XXXX. XXXX Government-issued ID Proof of current address Credit report excerpts showing XXXX  account and listed inquiries DEMAND FOR IMMEDIATE ACTION : I hereby demand that Equifax : Immediately block and permanently delete the XXXX XXXXradeline and the five listed inquiries Provide written confirmation that these items have been removed and will not be reinserted without full legal certification Cease disclosure of this information to third parties or potential creditors Take all steps necessary to comply with FCRA 605B and all related federal consumer protection laws Notice of Legal Escalation : If Equifax fails to comply within the timeframe established by law, I will file formal complaints with : The Federal Trade Commission ( FTC ) The Florida Attorney Generals Office Additionally, I will pursue civil legal action under FCRA 616 and 617, seeking statutory damages, punitive damages, attorneys fees, and court costs for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: WI

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to file a formal complaint to XXXX, LexisNexis, and XXXX  ( now XXXX XXXX XXXX XXXX LexisNexis Risk Solutions ) regarding the handling of my personal information by your agency. You have reported inaccurate, outdated, and unverified data on my consumer report, including but not limited to wrong addresses, account associations, and unauthorized entries. This data is being used to negatively impact decisions concerning credit, employment, housing, and other consumer rights protected under federal law. 

In addition, you have shared or allowed access to my personal information by third parties without my explicit consent, which is a violation of privacy protections outlined under the Fair Credit Reporting Act ( FCRA ) and applicable data privacy statutes. 

Moreover, the process for requesting a security freeze or restricting third-party access to my file has been unclear, misleading, or misdirected. Some of the addresses and instructions provided for initiating a freeze were incorrect or outdated, causing delays and confusion, and impeding my federally protected right to limit access to my consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint to XXXX, XXXX, and SageStream ( now SageStream , LLC XXXX XXXX XXXX XXXX ) regarding the handling of my personal information by your agency. You have reported inaccurate, outdated, and unverified data on my consumer report, including but not limited to wrong addresses, account associations, and unauthorized entries. This data is being used to negatively impact decisions concerning credit, employment, housing, and other consumer rights protected under federal law. 

In addition, you have shared or allowed access to my personal information by third parties without my explicit consent, which is a violation of privacy protections outlined under the Fair Credit Reporting Act ( FCRA ) and applicable data privacy statutes. 

Moreover, the process for requesting a security freeze or restricting third-party access to my file has been unclear, misleading, or misdirected. Some of the addresses and instructions provided for initiating a freeze were incorrect or outdated, causing delays and confusion, and impeding my federally protected right to limit access to my consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CHERRY TECHNOLOGIES INC.
State: PA

Complaint narrative:
This company opened up XXXX loans on my credit report. I was informed that the inquiry was a soft inquiry ONLY and it actually was not a soft inquiry. I have the pictures to show the advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NV

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} Late XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally clarify the details regarding a dispute I initiated for a charge of {$130.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was processed on XX/XX/year> On XX/XX/XXXX, I booked a rental car through a promotional offer provided via the XXXXXXXX XXXX app, which advertised 30 % off the rental price. The reservation was made foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and {$130.00} was charged to my Capital One credit card at the time of booking. 

When I arrived at the rental car location, the staff informed me that they had no knowledge of any 30 % discount or any promotion associated with XXXX I was told that I would need to pay approximately {$700.00} to receive the rental car. Due to the significant discrepancy between the advertised price and the amount demanded at the counter, I declined the rental and informed the agent that I would cancel the reservation. 

At that time, I asked about the refund for the {$130.00} charge. The representative told me that since I never received or used the car, the amount should be refunded. However, I never received any refund from XXXXXXXX XXXX XXXX XXXX 

I proceeded to dispute the charge with Capital One. I understand the merchant has submitted paperwork suggesting that I received the services, but this is incorrect. The only documentation they could provide appears to be related to the original reservation confirmation from XXXXnot proof that I actually used or picked up the vehicle. 

I have also emailed XXXX XXXX directly and received a response confirming I did not receive the vehicle. I can provide a copy of their response if needed to support this claim. 

In summary : I booked via the XXXX app under a promotional offer I was charged {$130.00} up front I did not receive the vehicle I was told the promotion would not be honored, and I would need to pay a much higher amount I canceled the reservation and never used the rental service I never received a refund Please let me know if any further documentation is needed to resolve this dispute. I kindly request that the charge of {$130.00} be reversed due to services not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/year> a credit card was attempted to be open with Discover card without my knowledge or consent. I was alerted by a credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I recently looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Again, as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and UPDATE this disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These are all without my consent or permission. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XXXX XXXX. XXXX XXXX XXXXXXXX date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX XXXX VIA DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX. XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX. XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/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 2025-07-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  - 2024-01-18 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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