vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at The XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( Not Applicable ), a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( Not Applicable ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: RI

Complaint narrative:
Wrong information on my credit report such as name and adress

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This is a formal and intentional complaint. My credit report contains inaccurate information that clearly fails to meet the legal requirement of maximum possible accuracy. These reporting errors are causing serious and ongoing harm to my financial stability and personal well-being. 
This situation is placing an undue and unjust burden on me during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion havent provided my credit report to me in over a year, they keep saying its being sent to maintenance to call back in 5 days, after a week nothing changes. Its been going on for a year, as of XX/XX/year> I am still not able to get a credit report and they added stuff on my report that isnt mines, they report to CFPB that they need 60 days, then after 60 days nothing changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Subject : Unauthorized Hard Inquiry Request for Immediate Removal Inquiry Date : XX/XX/year> Creditor : XXXX XXXX  To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry reported on my credit file on XX/XX/year>, by XXXX XXXX. This inquiry was not initiated or authorized by me, and I had no knowledge, interaction, or application for credit with XXXX around this time. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a hard inquiry may only be made with explicit written authorization or in connection with a credit transaction that the consumer initiated. I have not provided XXXX XXXX  with any such authorization, nor have I received any credit or service from them. Furthermore : No card was issued. 

I never received any notice of approval, denial, or processing. 

This is a clear violation of my consumer rights and credit privacy. 

This unauthorized inquiry has negatively impacted my credit score and could affect my ability to obtain credit under fair conditions. This is considered fraudulent activity and must be removed immediately.

What I Request : Immediate deletion of this unauthorized inquiry from all three credit bureaus. 

A full investigation into how this inquiry occurred. 

A written confirmation from XXXX XXXX  and the credit bureaus of the removal. 
Documentation showing proof of authorization, if such exists ( which it does not ).

Please note that under FCRA 611, the credit bureaus are required to complete an investigation within 30 days of receiving a dispute. Failure to respond or correct inaccurate information may result in legal action, and I reserve the right to file a complaint with the CFPB, FTC, and my State Attorney Generals office. 

I am also formally copying this complaint to the Consumer Financial Protection Bureau for further investigation. 

Enclosures : Copy of my ID Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I looked at my credit report, on XX/XX/2025 and noticed inaccurate information. 
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. 
Accounts : 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 # XXXXXXXX XXXX XXXX / XXXX XXXX  # XXXX * * * * / XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX / XXXX  # XXXX XXXX XXXX  / XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  have violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I looked at my credit report, on XX/XX/2025 and noticed inaccurate information. 
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. 
Accounts : 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 # XXXXXXXX XXXX XXXX / XXXX XXXX  # XXXX * * * * / XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX / XXXX  # XXXX XXXX XXXX  / XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  have violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally request the deletion of any and all information that was allegedly verified but remains unauthorized, as well as all unauthorized inquiries resulting from the recent data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), I demand immediate removal of such information from my credit report.

Furthermore, this letter serves as formal notification to opt out and remove my information from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX databases to prevent any further unauthorized activity. I request an immediate halt to all furnishing and verification of my data by XXXX and to opt out of its program entirely. Additionally, I demand the deletion of any and all information that XXXX is not authorized to retain and the rescission of any and all standing contracts and agreements with this company. 

All parties involved and contact information include : XXXX XXXX XXXX. XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Now part of XXXX ) P.O. XXXX XXXX, GA XXXX XXXX  XXXX, XXXX. XXXX XXXX, FL XXXX XXXX, XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX  XXXX  ( ARS ) P.O. XXXX XXXX, GA XXXX XXXX.gov ( Federal Trade Commission ) XXXX XXXX XXXX, XXXX, DC XXXX Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX, DC XXXX ExperianP.O. XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I have filed reports with IdentityTheft.gov and the Consumer Financial Protection Bureau ( CFPB ) regarding the fraud and identity theft that has occurred. My personal information has been mishandled, leading to multiple unauthorized attempts to access my credit, resulting in numerous fraudulent inquiries. These actions have caused various companies to inaccurately report information, severely damaging my credit history and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian Website has been broken for months. Every time I try to create an account, I get an " Unrecoverable Error ''. I also can not access my credit report from Experian through the Free Annual Credit report website. I sent the last complaint to Experian, but they said that website issues are handled by " Experian Information Solutions '' instead. So make sure you know which Experian to select in your complains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Re : Formal Request for Debt Validation under the FDCPA To Whom It May Concern : This letter serves as a formal request for full validation of an alleged debt that has been reported or is being collected. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all other applicable consumer protection laws, including military and veteran protections under the Servicemembers Civil Relief Act ( SCRA ) where applicable.

Please provide the following documentation : 1. The full name and address of the original creditor.

2. A complete account history showing the amount claimed, with a detailed breakdown of interest, fees, payments, and other charges.

3. A copy of the original contract or agreement bearing a signature.

4. Proof of legal authority to collect this debt, including assignment or purchase documentation.

5. Confirmation that the alleged debt is within the statute of limitations for collection.

6. Copies of any judgments obtained, if applicable.

7. Evidence that the alleged debt is not the result of identity theft, fraud, or reporting error.

8. Confirmation that this debt does not fall under any military or veteran protections.

Until all requested information is provided, the following must be done : The account must be marked as disputed with all credit reporting agencies. 
All collection activity must be suspended immediately.

No further contact shall be made unless it is in writing and solely for the purpose of providing the requested validation.

If full validation is not provided within four ( 4 ) business days of receipt of this letter, the account must be deleted in its entirety from all consumer credit reports as reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

This letter does not constitute an acknowledgment or acceptance of any debt. All legal rights are fully reserved. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate, unverifiable, outdated, or improperly verified items on my credit reports from Experian, Equifax, and TransUnion. 

Despite submitting formal disputes, these credit bureaus continue to report information in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the following accounts and issues remain unresolved : - XXXX  XXXX XXXX XXXX account that is obsolete and exceeds the XXXX reporting limit. 
- XXXX XXXX XXXX XXXX  XXXX with inconsistent data and no supporting verification. 
- XXXX XXXX Account marked as charge-off and still updated monthly despite originating delinquency over 7 years ago ( illegal re-aging ). 
- XXXX XXXX XXXX XXXX XXXX account was marked verified with no explanation or evidence, despite formal dispute. 
- Multiple Hard Inquiries Appear without permissible purpose or my authorization. 

In addition, some accounts reflect inaccurate late payment history, which does not match my actual payment activity. Some balances remained unchanged, while negative payment markers continuedthis is potentially deceptive and misleading reporting. 
I have exercised my rights under : - 15 USC 1681e ( b ) : To require accurate and complete reporting - 15 USC 1666b : For improper late payment billing cycle reporting - 15 USC 1681i ( a ) ( 7 ) : For improper verification of disputed items - 15 USC 1681b : For unauthorized credit inquiries These issues continue to negatively affect my credit score and financial standing. I am requesting that the CFPB investigate and ensure the credit bureaus and furnishers : - Provide a full accounting of how disputes were verified - Remove or correct unverifiable, re-aged, and inaccurate data - Cease reporting unauthorized 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