vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: VA

Complaint narrative:
On XX/XX/XXXX Equifax advised me through a complaint that XXXX XXXX XXXX XXXX was not on my credit report. XXXX XXXX XXXX XXXX does show on my credit report it should have been deleted when my XXXX XXXX  XXXX was XXXX in XXXX. At this point you are in violation of FCRA. Please delete tradeline as per my documents that are attached Equifax stated tradeline not on credit report.

Experian please delete off credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: IL

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

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 2025-03-03 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-03-03 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-03 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
I am filing a formal complaint against XXXX  for their failure to correct inaccurate credit reporting on my account. Despite submitting a dispute ( Case # XXXX ), XXXX  provided a non-responsive reply that did not address the specific errors I raised. Their continued reporting of incorrect information is negatively impacting my credit and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Details of the Reporting Errors XXXX  has reported multiple consecutive 60-day and 90-day late payments in a sequence that is inaccurate and logically impossible. Credit reporting follows a standard timeline ( 30 days, 60 days, 90 days, etc. ), but XXXX reporting skips or overlaps late payment statuses in a way that is not consistent with how payments are actually made. This creates false negative marks on my credit report, causing significant harm to my credit profile. 

FCRA Violations by XXXX  By failing to correct these errors, XXXX  is violating the following sections of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate or misleading information.

2. 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Creditors must correct and update reported data when they become aware of an inaccuracy.

3. 15 U.S.C. 1681s-2 ( b ) ( 1 ) Once a dispute is filed, furnishers must conduct a reasonable investigation and correct or delete inaccurate information. XXXX  failed to do this. 
4. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus are required to investigate disputed information within 30 days, which XXXX response did not properly address. 

Requested Resolution I am requesting that XXXX  be required to correct or remove the inaccurate late payments from my credit report. If they are unable to verify the exact accuracy of the reported data, the account should be deleted in its entirety in accordance with FCRA guidelines. 

Next Steps if Not Resolved If XXXX  does not take action to correct this issue, I will escalate this matter further by : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking legal action for willful violations of the FCRA, which can result in statutory damages of up to {$1000.00} per violation, plus punitive damages and attorney fees ( 15 U.S.C. 1681n ). 

This reporting error is harming my credit, and XXXX refusal to provide a valid resolution is unacceptable. I ask that Consumer Protection take immediate action to ensure XXXX  complies with federal credit reporting laws. 

Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: VA

Complaint narrative:
I AM A VICTIM OF MY PERSONAL INFORMATION BEING INVOLVED IN THE DATA BREACH. UPON INVESTIGATION I LOCATED ACCOUNTS AND INFORMATION BEING MERGED TO MY PROFILE THAT IS NOT MINE. 

THERE IS A INACCURATE AND UNVERIFIED XXXX  BEING REPORTED TO MY CONSUMER PROFILE AND PUBLIC RECORD. I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL. EACH BUREAU HAS NOT PROVIDED ANY ADDITIONAL INFORMATION. 

REPORTING THIS INACCURATE INFORMATION TO CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681, 15 USC 1681EB AND 15 USC 1681 C-2 I'VE ALSO CONTACTED THE CLERK OF COURTS WHO HAS CONFIRMED THAT THEY DO NOT REPORT ANY INFORMATION TO THE BUREAUS. FAILURE TO REMOVE THIS UNVERIFIED INFORMATION WILL RESULT IN LEGAL ACTION

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 2025-03-03 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: VA

Complaint narrative:
I AM A VICTIM OF MY PERSONAL INFORMATION BEING INVOLVED IN THE DATA BREACH. UPON INVESTIGATION I LOCATED ACCOUNTS AND INFORMATION BEING MERGED TO MY PROFILE THAT IS NOT MINE. 

THERE IS A INACCURATE AND UNVERIFIED XXXX  BEING REPORTED TO MY CONSUMER PROFILE AND PUBLIC RECORD. I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL. EACH BUREAU HAS NOT PROVIDED ANY ADDITIONAL INFORMATION. 

REPORTING THIS INACCURATE INFORMATION TO CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681, 15 USC 1681EB AND 15 USC 1681 C-2 I'VE ALSO CONTACTED THE CLERK OF COURTS WHO HAS CONFIRMED THAT THEY DO NOT REPORT ANY INFORMATION TO THE BUREAUS. FAILURE TO REMOVE THIS UNVERIFIED INFORMATION WILL RESULT IN LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: MI

Complaint narrative:
Account name : XXXX Account number : XXXX Date opened : XX/XX/year>. Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> This account was opened and furnished as the result of a data beach/identity theft. This account is reporting without any active balance. Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This account has been paid and closed. It is reporting as paid and closed yet it is still on my consumer report. This account is reported in accurately there is no balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. 

1692GB proof of chain of title of honor This charged off account must provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on this account. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely.

10 usc 1692GB proof of chain of title of honor Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: MA

Complaint narrative:
Consumer Name : 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 Transunion 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 an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of 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. Additional fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've attached proof that XXXX and XXXX have already removed this fraudulent account as well as a screenshot that my personal information was affected by the 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Credit Bureau TransUnion is fraudulently reporting inaccurate information as accurate on my account. They are saying the debt is verified according to the original creditor but the original creditor is agreeing with me that this information is not accurate according to their records. There are 2 accounts that TransUnion is reporting inaccurately on my report and they XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. I have filed a dispute with both of these companies as well.

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 2025-03-03 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: MI

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Tacked on a bunch of late fees then hid them saying I owe much more then I do company is capital one NA showing no late fees in the letter but they are loaded with late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: MS

Complaint narrative:
I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XXXX. Listed inquiry do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark this inquiry fraudulent and remove 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 2025-03-03 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-03 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: VA

Complaint narrative:
I contacted XXXX they informed me they sent a letter to the The 3 credit bureaus, to update account, however I owe them {$0.00} and it hasnt been updated & deleted from my credit report with neither of the 3 credit bureau company! When speaking to each of the credit bureaus they informed that they have not received a letter from XXXX on the matter to do so, but when they get that letter they will be able to update my credit report with the proof of information they receive!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX XXXX Account Name : XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 




Thank you for your assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation