vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Found an inquiry on my report that I don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear TransUnion Consumer Solutions, I am writing to formally dispute several inaccuracies currently appearing on my TransUnion credit report. These entries are either incomplete, unverifiable, or improperly reported and are negatively impacting my credit standing in violation of the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611.

Below are the specific items in dispute : -- - 1. XXXX XXXX  XXXX ( Acct. Ending in XXXX ) This account was closed by the credit grantor without prior written notification. 

Multiple late payments were reported after the account closure, without opportunity to resolve the balance. 
Requested Resolution : Please provide documentation of the closure notice and dispute verification. If unavailable, I request the removal of all derogatory payment remarks and an update to reflect a neutral account closure. 



-- - 2. XXXX XXXX XXXX ( Accounts ending in : XXXX, XXXX, XXXX ) These rental accounts contain missing months, payment gaps, and repeated X entries indicating unverifiable reporting. 
Requested Resolution : Please investigate and verify the full payment history. If accurate records can not be confirmed, I request deletion of these accounts due to incomplete and potentially misleading data.

-- - 3. XXXX XXXX ( Accounts ending in : XXXX and XXXX ) These accounts display abrupt credit limit increases ( e.g., from {$590.00} to over {$2000.00} ) without clear documentation or notification. 

This sudden change may reflect inaccurate underwriting data or improper reporting. 
Requested Resolution : Please verify the origin and approval of these changes, including dates and justifications. If no record can be verified, update the accounts to reflect accurate and substantiated limits or remove the entries. 



-- - Please conduct a full investigation and respond within the 30-day time period required by law. I also request a copy of my updated credit report once your investigation is complete. Enclosed are a copy of my ID and proof of residency for identity verification. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX SSN : XXXX ( last XXXX only ) Phone : ( 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 2025-05-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXTo whom it may concern,\nI was informed by your company (Experian )on XXXX that (acct#XXXX)XXXXXXXX XXXX XXXX was deleted from my credit report.\nI have now realized that this same item was REINSERTED onto my credit report!\nIn Accordance with the Requirements of the FCRA section 611(15 U.S.C S 1681i)(5)(B)(ii)(A)(B)Requirements Relating to Reinsertion of Previously Deleted Material\n(ii)Notice to consumer .If any information that has been deleted from a consumers file\npursuant to subparagraph\n(A)is Reinserted in the file,the consumer reporting agency shall notify the consumer of the Reinsertion in  writing not later than 5 business days after the Reinsertion or .if authorized by the consumer for that purpose,by any other means available the agency\nI have received no such Notification,this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA!\n\nI demand that you immediately DELETE this Account from my credit report in order to avoid legal action.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXTo whom it may concern,\nI was informed by your company (Experian )on XXXX that (acct#XXXX)XXXXXXXX XXXX XXXX was deleted from my credit report.\nI have now realized that this same item was REINSERTED onto my credit report!\nIn Accordance with the Requirements of the FCRA section 611(15 U.S.C S 1681i)(5)(B)(ii)(A)(B)Requirements Relating to Reinsertion of Previously Deleted Material\n(ii)Notice to consumer .If any information that has been deleted from a consumers file\npursuant to subparagraph\n(A)is Reinserted in the file,the consumer reporting agency shall notify the consumer of the Reinsertion in  writing not later than 5 business days after the Reinsertion or .if authorized by the consumer for that purpose,by any other means available the agency\nI have received no such Notification,this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA!\n\nI demand that you immediately DELETE this Account from my credit report in order to avoid legal action.XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-09 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: TN

Complaint narrative:
I was shocked to find an unauthorized inquiry suddenly appearing on my credit report this morning. I checked and refreshed multiple times, hoping it was a mistake or a glitch, but it wasnt. This is extremely upsetting, and I demand that the documents I submitted be reviewed immediately so I can finally feel secure about my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXXXXXX 2018 ). Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide validating documents. The date of last activity is reporting different among all XXXX reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld System Inc. I am unaware of this debt and did not receive the opportunity to dispute this account. If you believe you sent proper notification please provide " certified mail '' with receipts displaying my signature and purchase agreement. If not, please delete it from my account immediately before legal action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I hope this message finds you well. I am writing to respectfully request a goodwill adjustment regarding the XXXX XXXX XXXX currently listed on my Experian credit report, originally filed on XX/XX/XXXX and XXXX on XX/XX/XXXX through thXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ohio ( Case No. XXXX ). 

This bankruptcy filing occurred during a period of extreme financial hardship. Since then, Ive worked diligently to rebuild my financial standing, maintain consistent employment, and demonstrate responsible credit behavior. Im proud of the progress Ive made and remain committed to upholding sound financial practices.

In light of the seven years that have passed and my documented rehabilitation, I kindly request an early deletion of this bankruptcy from my credit file. I understand that XXXX XXXX records typically remain for 10 years, but Im hopeful thatgiven the circumstances and my recoveryyou might consider this goodwill adjustment. 

Thank you for your time and consideration. Please let me know if any supporting documentation is needed to aid your review. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Phone : ( 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 2025-05-08 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:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XX/XX/XXXX[ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I wanted to close my USAA account, so I needed to move roughly XXXX XXXX dollars to my new checking account. The bank 's free money transfer to an external account feature was broken. Consequently, I had to pay {$20.00} for a wire transfer.

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 2025-05-08 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: MD

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts from my credit report without delay. I did not authorize or initiate these accounts and do not recognize them. As outlined under USC XXXXg, I am formally requesting their removal within XXXX  days. I have attached the relevant documentation for your examination. Furthermore, the account details reported to each bureau are inconsistent and incorrect.

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 2025-05-08 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-08 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: IN

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these accounts I have no knowledge of. 
They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows : ' 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 2025-05-08 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: IN

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these accounts I have no knowledge of. 
They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows : ' 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 2025-05-08 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: IL

Complaint narrative:
Public Record : Bankruptcy and Account : XXXX ( closed XX/XX/XXXX ) that Is unverifiable and still reporting XXXX XXXX is owed on that account.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act I am writing to formally dispute several inaccurate and potentially unverifiable items currently appearing on my credit report. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section XXXX, which allows consumers to dispute inaccurate information and requires credit reporting agencies to conduct a reasonable investigation. 

The following accounts appear on my credit report and are being disputed on the grounds of inaccuracy, unverifiability, or incomplete reporting : 1. I C System Reported Balance : {$290.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX Reported Balance : {$730.00} XXXX. XXXX Reported Balance : {$120.00} XXXX. XXXX Reported Balance : {$13000.00} I am requesting that your agency perform a full investigation into each of these accounts. Please verify the accuracy and validity of the reported debts. If these accounts can not be verified within 30 days as required by the FCRA, they must be removed from my credit file. 

Additionally, I request that you notify me of the results of your investigation in writing, and if any changes are made to my report, that I be provided with a free, updated copy of my credit report reflecting those changes. 

Please consider this letter a formal dispute. I have also enclosed a copy of my identification ( e.g., drivers license and utility bill ) to verify my identity, in compliance with your investigation process. 

I appreciate your prompt attention to this matter. I look forward to your response within the 30-day timeframe mandated by 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 2025-05-08 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: FL

Complaint narrative:
This is a follow-up complaint regarding the unresolved inaccuracies I reported on my Equifax credit report, initially filed on XX/XX/XXXX. Despite the fact that my dispute is still marked as " in progress, '' the following charge-offs remain uncorrected : XXXX ( XXXX * * * * ) for {$1200.00}, XXXX XXXX ( XXXX * * * * and XXXX * * * * ) for {$750.00} and {$950.00}, and XXXX ( XXXX * * * * ) for {$310.00}. These accounts continue to damage my credit profile despite no validation or corrective action taken by Equifax. It has been incredibly stressful waiting for such a long time, only to see that no progress has been made in resolving these inaccurate entries. This delay is not only undermining my financial stability, but it's also raising concerns that these errors may be due to a data breach, further compromising my personal information. The emotional and financial toll of not being able to move forward, especially when these inaccuracies are still lingering without resolution, is unbearable. The lack of action violates my rights under XXXX USC XXXXn, XXXX ( c ) 2, and XXXX ( g ) and is causing undue stress that negatively impacts my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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