vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
Permanently delete all fraudulent accounts and unauthorized inquiries listed in my dispute.

Block all identity theftrelated data within 4 business days as required by 15 U.S.C. 1681c2.

Provide me with a corrected, updated credit report. 

Send written confirmation that the deletions and blocks have been completed. 

This keeps it clear so the credit bureau or furnisher cant claim they didnt understand what you wanted. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX 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 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

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 explanation
Consumer complaint received 2025-08-09 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:
XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XX/XX/year> XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, OR XXXX Subject : Request for XXXX XXXX XXXX XXXX XXXX Dear XXXXXXXX XXXX XXXX I hope this message finds you well. I am writing to discuss my account with XXXX XXXX and to request your assistance regarding the reporting of my past late payments on my credit report. 

I acknowledge that I have had some late payments in the past ; however, I am committed to resolving my outstanding balance and am prepared to pay the total amount owed in full. Given this situation, I kindly ask if you would consider adjusting the reporting of my past late payments to reflect a " paid on time '' status. 

This adjustment would significantly help improve my credit standing and would be greatly appreciated. I value my relationship with XXXX XXXX and hope to maintain a positive rapport moving forward. 

Thank you for considering my request. I look forward to your favorable response. 

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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. The following fraudulent account was opened without my knowledge or authorization : XXXX, NUMBER XXXX, opened on XXXX. The fraudulent hard inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN. 3. Proof of my current address. All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the 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 2025-08-09 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inaccurate Information reporting ( another persons information ) I have never filed Bankruptcy this report from Equifax 0n XX/XX/year> this is not mine. Please show proof of the validity of this bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-09 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: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Formal Dispute Unauthorized Accounts Demand for Permanent Deletion To Whom It May Concern, I am formally disputing the following accounts reporting on my TransUnion credit file as they are not mine and are the result of mixed file and/or identity theft : XXXXXXXX XXXX XXXX  - Acct.No. : XXXX - Balance : {$12000.00} Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i Reinvestigation of Disputed Information ) and 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy, you are required to conduct a reasonable investigation, delete all unverifiable and inaccurate accounts, and ensure my file contains only information that is complete and 100 % accurate. 
These accounts were never opened, authorized, or maintained by me, and your re-reporting of such inaccurate information constitutes willful noncompliance. Furthermore, if these accounts can not be fully verified through legally admissible documentationincluding the original signed application bearing my signaturethey must be permanently deleted. 

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for violations of the FCRA and any applicable state consumer protection laws. I am also reserving my right to pursue civil remedies under 15 U.S.C. 1681n and 1681o for damages, costs, and attorneys fees. 

I demand that you : Permanently delete the above accounts from my credit file. 
Provide written confirmation of deletion within 15 days. 
Provide a description of the investigation, the procedures used, and the name and contact information of any furnisher contacted. 
This is a final notice before escalation. I expect full compliance as required by law. 
Sincerely, 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 2025-08-09 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Demand for Permanent Deletion of Fraudulent Accounts FCRA Compliance Required To Whom It May Concern, I am submitting this formal written dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple fraudulent and inaccurate accounts currently reporting on my Experian, Equifax, and TransUnion consumer credit files. These accounts do not belong to me and are the result of identity theft. I demand the immediate and permanent deletion of the following accounts from all of my credit reports : XXXX {$11000.00} XXXX  XXXX XXXX  {$240.00} XXXX  XXXX {$1000.00} XXXX  XXXX XXXX  {$48000.00} XXXX XXXX XXXX {$17000.00} As you are aware, the FCRA at 15 U.S.C. 1681i requires you to conduct a reasonable reinvestigation of any disputed information. The law mandates that unverifiable or inaccurate information be removed from a consumers file within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681e ( b ) requires you to maintain maximum possible accuracy in the reporting of consumer information. Continuing to report these fraudulent accounts after being notified constitutes willful noncompliance with federal law. 
Under 15 U.S.C. 1681b, you may not furnish my consumer report to anyone without a permissible purpose, and under 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting information they know or should know is inaccurate. Because these accounts are not mine, there is no permissible purpose to report them, and their continued presence on my credit file violates my rights. 

Furthermore, pursuant to 15 U.S.C. 1681c-2, I have the right to request a block of any information resulting from identity theft. Once you receive this dispute along with my supporting documentation including my FTC Identity Theft Affidavit, law enforcement report, and proof of identity you are required to remove or block these accounts from my file and prevent them from reappearing. 

If these fraudulent accounts are not deleted within the statutory timeframe, I will pursue all remedies available to me under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General, as well as seeking legal action for statutory damages, actual damages, attorneys fees, and costs as allowed under 15 U.S.C. 1681n and 1681o.

This letter serves as your final notice to comply with your obligations under the FCRA. I expect written confirmation from all three bureaus that these accounts have been permanently deleted from my credit files and will not be reinserted without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-09 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: WV

Complaint narrative:
A closed account was reopened in XXXX and there were charges added to the closed account in the amount of XXXX $ and then closed at the end of XXXX, then reported on experian, also showing on XXXX  report as a collection account for XXXX month and then charged off all in the same day of XX/XX/year>. This is a fraudulent account as it was already dissolved in XXXX with a return of the phone to XXXX XXXX in XXXX Ohio.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/year>, a woman named XXXX XXXX purchased skin care products from my company XXXX XXXX XXXX XXXX. She initiated the order on my company website, received and used the products. 
A month later, on XX/XX/year>, XXXX made a fraudulent claim with her credit card issuer BARCLAYS BANK DELAWARE stating that my company fraudulently charged her card for the items that she purchased. 
BARCLAYS BANK DELAWARE initiated a dispute via XXXX- the credit card service used on my company website in the amount of {$250.00} USD, in an attempt to reclaim the total amount of {$250.00} from my bank account and won the dispute. 
However, both BARCLAYS BANK DELAWARE and XXXX, failed to acknowledge the XXXX XXXX captured when XXXX submitted her own card information, billing address, shipping address and shipping confirmation. 
This has left my account with XXXX in the negative of - {$250.00}. 
Please note that XXXX XXXX does not live in the same state as our company, no one on our staff has ever met her, and our XXXX account, nor does our website keep credit card information in order to use without the consent of the owner.

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 2025-08-09 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: PA

Complaint narrative:
URGENT ESCALATION- EQUIFAX NON-COMPLIANCE It's been 6 days since my complaint was filed ( XX/XX/XXXX ) and Equifax has taken ZERO action to remove the fraudulent inquiries from my credit report. The company marked my complaint as " in progress '' but has done absolutely nothing to resolve this identity theft issue.

The fraudulent inquiries are still appearing on my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( unauthorized ) - XXXX : XX/XX/XXXX ( unauthorized ) I provided complete documentation including FTC Identity Theft Report # XXXX, government ID, SSN verification, proof of address, and a fresh credit report clearly showing these unauthorized inquiries. Despite having all required documentation, Equifax continues to report fraudulent information that is damaging my credit daily. 

This is unacceptable. I am a verified identity theft victim with an official FTC report, yet Equifax is ignoring their legal obligations under the Fair Credit Reporting Act. Every day these fraudulent inquiries remain on my report causes additional damage to my credit score and financial opportunities. 

Equifax has had 6 days to investigate and remove these clearly fraudulent inquiries but has chosen to do nothing while marking the complaint as " in progress '' - this appears to be a stalling tactic. 

DEMAND : Equifax must immediately remove both fraudulent inquiries within 24 hours. Their delay in addressing verified identity theft is causing ongoing consumer harm and violates federal law. 

I need CFPB to intervene immediately and force Equifax to comply with their legal obligations.

Company response to consumer: Closed with explanation