vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-06-30 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: VA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-30 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I was victim of identity theft back if XXXX when I was out of the country during the Covid-19 Pandemic. During that time few accounts were reported to the bureaus under my name including : TransunionXXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXXExperian/ XXXX XXXX, and XXXXXXXX XXXX. Equifax/ XXXX XXXX XXXX XXXX XXXX Account {$310.00} have been deleted multiple times from all credit bureaus but the creditor keep reporting back to the bureaus as accurate which is completely false. I have provided FTC and Police reports to all bureaus including the creditors but the creditor keep refusing to not speak with me or to provide evidence to support their claims. FCRA establish that creditors have 30 days to present evidence to the consumer as the debt is accurate and belong to the person. I am demanding after years of stress and anxiety on these issues, to please delete this account from all my bureaus once for all. Also, XXXX XXXX XXXX XXXX XXXX XXXX are also challenged and similar situation I have faced to delete these issues for good. Please get these fraud tiems removed from my credit report. 

Experian is also reporting XXXX XXXX XXXX account that is inaccurate, balance in incorrect, and the creditor is also refusing speak with me. This vehicle is constantly on repairs, and I spent more than {$13000.00} on the last two years. Not only the account balance is incorrect but in addition to that not communication with me. This accopunt needs to be removed as the creditor did not comply with FCRA about the 30 days timeline to respond to the customer. Child Support still on my report, despite the account needs to be removed seven years after the first day of delinquency ( XX/XX/XXXX ). Last the XXXX XXXX XXXX XXXX secured loan was paid on time but creditor insisted that account was 30 days past due during the payment of the agreement ; however, the account was paid on time according to the extension agreement with the creditor. I asked the creditor to provide evidence of the extension agreement but they do not respond or ignored my inquiries. 

According to FCRA pursuant XXXX XXXX Section XXXX ( XXXX ) ( A ) creditors need to provide me with a description of the procedure used to determine accuracy and completeness, and to provide within 15 days of the completion of their investigation. That have been ignored and most important the process it is a clear violation of this 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 2025-06-30 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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.

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 2025-06-30 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:
I recently became aware of a collection account listed on my credit file. I want to clarify that I was never contacted, billed, or informed about this debt before it was reported. This is deeply concerning, as I have always taken steps to remain informed about my financial responsibilities.

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 2025-06-30 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: MO

Complaint narrative:
I am a victim of identity theft, and my credit report contains inaccurate and fraudulent information that I did not authorize. I discovered these issue 's about earlier this month. The accounts are listed as follows ( CREDITOR ) ( DATE OPENED ) ( FRAUDUELNT CHARGES ). DEPT OF EDXXXX XX/XX/XXXX {$3000.00}. DEPT OF EDXXXX XX/XX/XXXX {$4000.00}. DEPT OF EDXXXX XX/XX/XXXX {$2300.00}. DEPT OF EDXXXX XX/XX/XXXX {$6000.00}. DEPT OF EDXXXX XX/XX/XXXX {$2300.00}.

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 2025-06-30 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts include XXXX opened at SYN/FSTPROG on XX/XX/XXXX under the account number XXXX * * * * * * * * * *, XXXX at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX * * * *, XXXX at XXXX FED XXXX on XX/XX/XXXX under the account number XXXX * * * * * *, XXXX at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX * * * *, XXXX at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX * * * * * * * * * *, and XXXX at CREDIT COLL on XX/XX/XXXX under the account number XXXX * *. These accounts have resulted in several unauthorized hard inquiries and fraudulent collections appearing on my credit report. I demand that these items be removed from all of my consumer credit reports and that all related collection activity cease immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 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 and XXXX as proof from the XXXX 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 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 2025-07-01 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery continues to commit fraud under 1681C two except as otherwise provided in this section of consumer reporting agency she blocked the reporting of any information in the file of a consumer that the consumer identifies this information that resulted from alleged identity theft My wallet was stolen. I did not apply for that account. I keep telling you guys this and then you keep saying that you bought the debt and I owe you. How do I owe you? If my wallet was stolen in someone else open the account therefore youre committing fraud Ive notified the XXXX XXXX XXXX and the Attorney Generals office. Remove this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I want to make it unequivocally clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These reporting errors are having a substantial and ongoing negative impact on both my financial stability and personal well-being. 
This situation is placing an undue burden on me during an already challenging time, and I am requesting your immediate attention.

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 2025-06-30 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
Upon reviewing my consumer credit reports, I identified inaccurately reported late payments on my account with BESTEGG ( Account Number : XXXX ). Specifically, the reports indicate inaccurate and late payments for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accurate reporting by XXXX XXXX XXXX is essential, and I take the accuracy of my credit history very seriously. Therefore, I respectfully request a full investigation into this matter. I also ask that you provide supporting documentation, such as billing statements or payment history records, substantiating the reported delinquencies. 

If no such evidence can be provided, I formally request that these incorrect late payments be removed and the account updated to reflect its correct status as paid on time. I trust this matter will be handled with the urgency and diligence it requires. 

Thank you for your attention to this issue.

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 2025-06-30 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I submitted an FTC Identity Theft report and demanded Equifax block a fraudulent account ( XXXX XXXX University ) from my credit file within the required 4 business days under the Fair Credit Reporting Act ( FCRA ). XXXX  and XXXX  have already removed the account, but Equifax has failed to comply. 

Despite calling Equifax and being told the dispute would be reviewed before blocking, it has now been over 2 weeks with no resolution. This violates FCRA Section 605B, which requires Equifax to block fraudulent information once appropriate documentation is provided.

Equifax is unlawfully reporting this fraudulent account, and I am requesting immediate CFPB intervention to ensure compliance and have this account permanently blocked from my credit report.

Company response to consumer: Closed with non-monetary relief