vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-05 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:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-11-05 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: TX

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-11-05 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: AR

Complaint narrative:
Since XXXX of this year, I have noticed several unauthorized inquiries on my credit report that were made to establish credit accounts. I have no knowledge of these inquiries, nor did I authorize them. I am requesting that these inquiries be investigated and removed from my credit file as they do not belong to me. 

The dates range from XX/XX/year> to XX/XX/year> The unauthorized inquiries are from the following institutions : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX inquiries )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction with the service provided towards me about fixing a serious problem over my credit report. I have contacted this agency multiple times requesting to help me dispute unknown unauthorized hard inquiries appearing on my credit report. This unauthorized action has negatively impacted my credit score, the agents don't want to move forward by opening my files, they respond by saying that they are not able to take further actions. 
I am Invoking my rights under the Fair Credit Reporting Act for a thorough Investigation over these actions. 
My text below show 's proof of evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2025-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: CA

Complaint narrative:
They offered a credit to my account while under dispute and said i was given the credit on XX/XX/year>. I was not. Then today XX/XX/year> they made my account negative that XXXX $ they did this to me thre times now XXXX {$140.00} XXXX XXXX $ and XXXX XXXX They never gave me a credit to my account ever! Yet they keep taking my money then all of a sudden the disputed transaction is gone. The below attached chats are what i mean. But the transactions i have not uploaded due to personal info so i will when an agent contacts me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) I am a XXXX  resident and a confirmed victim of the XXXX  and XXXX  data breaches, during which my Social Security number was compromised and later used for personal gain to fraudulently obtain credit cards. Despite my repeated disputes, Experian has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Specifically, Experian has reinserted fraudulent accounts after deletion without providing me with the required certification of accuracy from the furnisher, nor has it provided me with proof of accuracy or a copy of the original wetink signature as evidence of my liability. Under 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert previously deleted information unless the furnisher certifies its accuracy, and the agency must notify the consumer within XXXX business days of reinsertion. Experian has failed to meet these statutory requirements, thereby continuing to report fraudulent accounts that were established using my stolen identity. 

The fraudulent accounts in question include : ( XXXX XXXX XXXX  XXXX XXXX, Account No. XXXX, with a reported balance of {$2000.00}, fraud established in XX/XX/XXXX ; and ( XXXX ) XXXX XXXX, Account No. XXXX, with a reported balance of {$2600.00}, fraudulently opened in XX/XX/XXXX. 

Both accounts were deleted after disputes but have since been reinserted without proper certification or notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ). I request that the CFPB compel Experian to permanently delete these fraudulent accounts, provide documentation of compliance with FCRA reinsertion procedures, and take enforcement action to ensure Experian ceases unlawful reinsertion practices that continue to harm victims of identity theft such as myself.

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 2025-11-05 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Balance - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Balance - {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$80.00} XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Balance - {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Balance - {$54000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$2000.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-05 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am infuriated by the flagrant violation of my consumer rights through the dissemination of grossly inaccurate information. Fair treatment and immediate accountability for their failures in upholding accuracy and compliance are non-negotiable demands. 
The audacity to provide an erroneous credit report is beyond infuriating, considering the supposed adherence to the FCRA and relevant data field formatting standards. I demand an expedited response with a meticulously documented, unquestionably truthful account of evidence for each claim. Failure to promptly rectify false accounts will result in severe consequences, as I refuse to tolerate the financial repercussions caused by your negligent actions. 

CAINE WEINER - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX we tried to make a purchase from a website for a well known protein powder, entered all our information and hit process and the order never went through. We then called the company and they said that that was not their web site. Minutes later I got an text alert from chase asking if I was trying to make a purchase of {$410.00} at XXXX XXXX  I responded NO and immediately called Chase and reported the fraud and canceled the card. Chase says they investigated and because they had my information due to the fruadlent web page they deemed i made the charge and recharged me on XXXX. I did everything as i could as a consumer to report the fraud their on algorithm noticed it was likely fraud and sent me an alert. A quick review of my past usage would tell them I have never made a cash advance or money order transaction. Its a obvious fraud and they are just trying to bully me into giving up and paying it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-11-05 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: NC

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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