vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
Despite multiple written requests, all three major credit reporting agencies -- Equifax, Experian, and TransUnion -- have failed to remove outdated, incorrect, or incomplete personal identifying information from my credit file. This includes previous addresses I no longer reside at and old or incorrect employer and name variations not associated with me. 

Details by Credit Bureau : 1. Equifax I sent Equifax a written dispute on [ insert date ] requesting the deletion of the following outdated addresses that no longer apply to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax continues to report these outdated addresses, which do not reflect my current or recent residence. Under FCRA 607 ( b ), Equifax is required to maintain accurate and up-to-date information.

2. TransUn
ion I sent a similar letter to TransUnion dated XX/XX/XXXX requesting the removal of outdated and incorrect addresses, including : - XXXX XXXX XXXX XXXX XXXX MO XXXX ( missing apartment number ) - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX - " XXXX XXXX XXXX XXXX XXXX XXXXncomplete entry ) XXXX. Experian I lastly sent a similar letter to Experian to remove the following outdated address : - XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX ALSO to remove the following incorrect employer entry : - XXXX XXXX  ( Date Updated : XX/XX/XXXX )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 2025-06-15 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: NJ

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-06-16 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: IN

Complaint narrative:
I am filing a complaint against the consumer reporting agencies Experian, Equifax, and TransUnion for allowing a collection agency to report accounts on my credit file without proper legal validation or permission, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I received a document titled Collection Agency Report from a collector ( XXXX XXXX XXXX or its agents ), which lacked the legally required documentation to validate the alleged debt. The report included medical billing details but did not provide : A signed contract or agreement proving I owe the debt Itemized billing or full accounting of charges and insurance payments Documentation showing legal assignment or ownership of the debt by the collector Proper notice of my rights to dispute under 15 U.S. Code 1692g HIPAA authorization to share my personal medical data Despite my formal disputes and submission of this insufficient response, the credit bureaus continued to report the collection accounts and marked the disputes as verified without proper reinvestigation. This is a violation of : FCRA 611 ( 15 U.S. Code 1681i ) failure to conduct a reasonable reinvestigation FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) failure to ensure maximum possible accuracy FCRA 623 ( 15 U.S. Code 1681s-2 ( b ) ) failure to correct or delete inaccurate information These actions have damaged my creditworthiness based on unsubstantiated and unlawfully reported debt. The credit bureaus are legally required to delete unverifiable information, not just label it disputed. 
Especially after having disputed these collections with all credit bureaus. 

I am requesting that the CFPB investigate the failure of the credit bureaus to : XXXX. Verify the legitimacy of the collectors right to report this information XXXX. Remove unverifiable collection accounts that lack proper legal documentation XXXX. Prevent third-party collection agencies from furnishing data without meeting legal standards

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 2025-06-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing a complaint against the consumer reporting agencies Experian, Equifax, and TransUnion for allowing a collection agency to report accounts on my credit file without proper legal validation or permission, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I received a document titled Collection Agency Report from a collector ( XXXX XXXX XXXX or its agents ), which lacked the legally required documentation to validate the alleged debt. The report included medical billing details but did not provide : A signed contract or agreement proving I owe the debt Itemized billing or full accounting of charges and insurance payments Documentation showing legal assignment or ownership of the debt by the collector Proper notice of my rights to dispute under 15 U.S. Code 1692g HIPAA authorization to share my personal medical data Despite my formal disputes and submission of this insufficient response, the credit bureaus continued to report the collection accounts and marked the disputes as verified without proper reinvestigation. This is a violation of : FCRA 611 ( 15 U.S. Code 1681i ) failure to conduct a reasonable reinvestigation FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) failure to ensure maximum possible accuracy FCRA 623 ( 15 U.S. Code 1681s-2 ( b ) ) failure to correct or delete inaccurate information These actions have damaged my creditworthiness based on unsubstantiated and unlawfully reported debt. The credit bureaus are legally required to delete unverifiable information, not just label it disputed. 
Especially after having disputed these collections with all credit bureaus. 

I am requesting that the CFPB investigate the failure of the credit bureaus to : XXXX. Verify the legitimacy of the collectors right to report this information XXXX. Remove unverifiable collection accounts that lack proper legal documentation XXXX. Prevent third-party collection agencies from furnishing data without meeting legal standards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NV

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-15 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 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 a data breach 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 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 explanation
Consumer complaint received 2025-06-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : 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 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 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 2025-06-15 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:
FCRA violation loan not mine : XXXX  XXXX, FCRA violation inquiry not mine : 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 2025-06-15 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number [ XXXX XXXX XXXX  ] , which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : 1. Original Creditor : Complete name and address of the original creditor. 
2. Verification of the Debt : A full accounting of the debt amount, including itemized charges.

3. Proof of Your Authority : Documentation proving that you have authority to collect this debt on behalf of the original creditor.

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports.

Until you can produce evidence validating this debt, I am
requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus.

I expect a thorough investigation and a full response within the 30-day period as specified by federal law. 

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/year> Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: SC

Complaint narrative:
I recently obtained a copy of my credit report and noticed there were fraudulent accounts please remove these as they are affecting my ability to obtain credit

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 2025-06-15 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: AZ

Complaint narrative:
1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$570.00} INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint against Experian, Transunion and Equifaxfor failing to comply with the Fair Credit Reporting Act (FCRA).\n\nOn XXXX XXXX XXXX I submitted a written dispute to Experian requesting the deletion of three inaccurate and unverified accounts from my credit report. These accounts are:\n\t1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX\n\nTo date, I have not received any written response, investigation results, or confirmation of deletion from Experian. It has been more than 30 days since my original dispute letter, and no action has been taken.\n\nUnder the FCRA, credit bureaus are required to investigate consumer disputes and respond within 30 days. Experians failure to respond is a direct violation of my consumer rights and has caused unnecessary delays and stress.\n\nI have also reached out to the creditors associated with these accounts, and none have provided verifiable proof that I opened them. These accounts remain unverified and should have been removed in accordance with the law.\n\nI am requesting that the CFPB investigate this matter and ensure that Experian is held accountable for its non-compliance with federal law. I would also like these unverified accounts removed from my credit file immediately.\n\nThank you for your assistance.'

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 2025-06-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint against Experian, Transunion and Equifaxfor failing to comply with the Fair Credit Reporting Act (FCRA).\n\nOn XXXX XXXX XXXX I submitted a written dispute to Experian requesting the deletion of three inaccurate and unverified accounts from my credit report. These accounts are:\n\t1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX\n\nTo date, I have not received any written response, investigation results, or confirmation of deletion from Experian. It has been more than 30 days since my original dispute letter, and no action has been taken.\n\nUnder the FCRA, credit bureaus are required to investigate consumer disputes and respond within 30 days. Experians failure to respond is a direct violation of my consumer rights and has caused unnecessary delays and stress.\n\nI have also reached out to the creditors associated with these accounts, and none have provided verifiable proof that I opened them. These accounts remain unverified and should have been removed in accordance with the law.\n\nI am requesting that the CFPB investigate this matter and ensure that Experian is held accountable for its non-compliance with federal law. I would also like these unverified accounts removed from my credit file immediately.\n\nThank you for your assistance.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: GA

Complaint narrative:
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. 

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX on XX/XX/XXXX under the account number XXXX ; and a collection account with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX XXXX who resides at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a nd i am writing this report because there are several unauthorized accounts negatively impacting my credit profile. I recently pulled my credit report and i see these accounts that i did not provide for signature for. I have tried to resolve these with the credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) but they refuse to help. Please i need help as i am asking for these accounts to be investigated and removed from my credit report. I have listed them below. Also the inaccurate name and address on my report. This will be listed below. 

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 please change update to XXXX XXXX XXXX Wrong Addresses with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these changed and updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
Hi my name is XXXX XXXX XXXX who resides at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a nd i am writing this report because there are several unauthorized accounts negatively impacting my credit profile. I recently pulled my credit report and i see these accounts that i did not provide for signature for. I have tried to resolve these with the credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) but they refuse to help. Please i need help as i am asking for these accounts to be investigated and removed from my credit report. I have listed them below. Also the inaccurate name and address on my report. This will be listed below. 

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 please change update to XXXX XXXX XXXX Wrong Addresses with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these changed and updated to 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