vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Email : XXXX Phone Number : XXXX XX/XX/year> To Whom It May Concern, This letter constitutes a formal identity theft statement and demand for permanent deletion of fraudulent accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. The following accounts were opened or reported without my knowledge, authorization, or consent, and are the result of identity H. 
As the victim of identity theft, I am demanding the immediate and irreversible delete the FRAUDULENT XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX These accounts do not belong to me, were not opened by me, and have no legitimate relationship to my financial history. I did not authorize these companies to open or report these accounts, and I have never received goods, services, or credit related to any of them. 
LEGAL N Under 15 U.S.C. 1681c-2 ( a ) ( 6 ) ( B ), they as a condition for blocking or deleting these fraudulent tradelines. I am submitting this identity theft statement in good faith, as permitted by law, and you are hereby ordered to comply within 4 calendar days of You are further notified that : I am invoking my federal right to block identity theft-related information.

I am not requesting a reinvestigation or verification.

This is a demand for deletion under federal identity theft protection provisions.

FAILURE TO COMPLY : Should you fail to delete these accounts in the time provided, you will be in willful violation of federal law, and I will pursue the following actions without further notice : File complaints with the Consumer Financial Protection Bureau ( CFPB ) Submit reports to the Federal Trade Commission ( FTC ) Notify my State Attorney General Initiate legal proceedings seeking statutory damages, punitive damages, attorneys fees, and injunctive relief This is your final and only notice. Comply with the law. 
Sincerely, 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 2025-05-22 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-22 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: PA

Complaint narrative:
1. Inflated Credit Usage ( 161 % ) - This over-limit figure is misleading, inaccurate, and not supported by a valid explanation, especially for a closed account.

2. Unverified Status Updates ( Potential Illegal Re-Aging ) : The charge-off status is shown as " updated '' in XXXX XXXX, yet prior reports suggest the charge-off occurred in XXXX or XXXX. This may be a violation of FCRA 623 ( a ) ( 5 ), which requires furnishers to accurately report the date of first delinquency. Any attempt to change that date to extend the reporting period is known as re-aging and is explicitly prohibited by federal law.

3. Account marked as " Charged off as bad debt, '' yet unverifiable across bureaus.

4. Credit limit listed as {$1000.00}, while Equifax lists {$0.00}.

5. Inconsistent date of last activity XXXX XXXX in XXXX, but XXXX in Equifax and XXXX in XXXX ).

6. High balance ( {$1600.00} ) and past due amount ( {$1600.00} ) differ from XXXX XXXX record ( high balance listed as {$0.00} ).

7. Conflicting Information with Other Bureaus - XXXX and Equifax report differing status dates, balance figures, and credit limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 non-monetary relief
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-05-22 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: FL

Complaint narrative:
Fraudulent accounts and inquiries due to my personal information being breached

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 2025-05-22 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: VA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-05-22 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: Upstart Holdings, Inc.
State: IL

Complaint narrative:
A loan consisting of the amount of {$12000.00} was taken out in XXXX around XXXX. I immediately paid the loan off in XX/XX/XXXX. For some reason XXXX  keep reporting that I settle pay this loan. I never missed a payment. The paperwork that Upstart sent me and also statements of the history account does not show any missed payment. I have contacted Upstart on many occasions and even ask for a supervisor which Ive never gotten. I have sent several emails to them with all the information they need with the credit report showing the negative remarks. This mistake by XXXX XXXX XXXX ) or XXXX/ upstart has caused me XXXX points on my credit report. We all know these points are not gon na be corrected overnight. Someone wont admit that one of their employees made a mistake. Ive been fighting for almost 2 months and providing information from upstart to the credit bureau, which totally shows no settlement payment.

There is truly no conversation to be given by either of these two companies versus the cost effect that it has cost me on my credit report while trying to do a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/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 2025-05-22 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
on XXXX23 XXXX XXXX XXXX placed a unauthorized inquiry on my credit report. I am a victim of identity fraud

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 2025-05-22 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CT

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that I am unaware of as a result of the Equifax, XXXX and XXXX  data breaches and Identity Theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
ubject : Formal Complaint Inaccurate and Harmful Reporting of XXXX XXXXXXXX XXXX Account ( Acct. No. Ending in XXXX ) To whom it may concern, I am writing to formally file a complaint regarding the account reported by XXXX XXXX  XXXX ( Account ending in XXXX ), as reflected on my credit reports with Equifax, XXXX and TXXXX 

Summary of Issues : This account is being inaccurately reported and contains multiple inconsistencies, errors, and outdated derogatory information, which violates the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Below are the specific issues : Violations & Inconsistencies : 1. Violation of the FCRA ( 15 U.S.C. 1681s-2 ) Duty to Report Accurate Information The account was closed on XX/XX/XXXX, yet it still reflects a current balance of {$2500.00} on all three bureaus, which is factually inaccurate. 

High balance is listed as {$0.00}, which contradicts the reported balance of {$2500.00} and makes the tradeline unreliable. 

Last Payment Dates do not match : Equifax : XX/XX/XXXX XXXX : No payment date XXXX : XX/XX/XXXX Last Activity and Late Payment History ( 90-day, 60-day, COs ) vary between bureaus, reflecting a failure to maintain uniform and accurate reporting standards. 

2. FCRA 611 ( a ) Violation Duty to Investigate Disputed Items Despite my dispute, the bureaus have not corrected the errors, and Equifax and XXXX  still report this account as Charge-Off ( CO ) with recent activity months after closure, which is misleading and harmful.

" Consumer Disputes Reintegration in Progress '' comment appears on XXXX, but no resolution or verification has been provided.

3. Violation of TILA ( 15 U.S.C. 1601 et seq. ) Lack of Clear Terms Disclosure I was never provided clear, written disclosure of terms, interest rates, or the contractual obligation of this revolving account. This violates TILA Sections 1026.5 and 1026.6, which require that credit terms be clearly and conspicuously disclosed. 

4. Violation of GLBA ( 15 U.S.C. 68016809 ) Protection of Personal Financial Information This account is inaccurately reported, and I never authorized continued disclosure of an account closed in XXXX. The public sharing of inaccurate and outdated financial data violates the GLBAs requirement to safeguard sensitive consumer information from misuse or unauthorized dissemination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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