vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: MN

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$46000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account NumbeXXXX 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 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 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 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 2025-06-04 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: NY

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account NumbeXXXX 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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 am contacting you to dispute and request removal of fraudulent accounts from my credit report. These accounts were not opened by me, and I am not responsible for them. Pursuant to 15 U.S.C. 1681g, please remove them within 15 days. Documentation is provided herewith.

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 2025-06-04 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: GA

Complaint narrative:
I am formally documenting that I have submitted multiple dispute notices to Equifax, Transunion, and Experian on XX/XX/year>, XX/XX/year>, and again on XX/XX/XXXX, XXXX in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. I provided all required documentation, including my government-issued photo ID, Social Security card , and address verification through federal financial aid correspondence, as I do not have utility bills in my name.

Despite my compliance, the reporting agencys unilaterally closed my dispute case without providing proper documentation to support their so-called verification. No forward flow agreements, billing statements, contracts, or original application data were suppliedmerely a statement that the accounts were verified, which fails to meet the burden of proof required under federal law.

Equifaxs conduct constitutes multiple violations of federal consumer protection laws, including : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failing to delete or correct inaccurate or unverifiable information within 30 days.

15 U.S. Code 1681e ( b ) Failing to follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S. Code 1681g Failing to provide all information in the consumers file upon request.

15 U.S. Code 1681s-2 ( b ) The data furnishers failure to properly investigate and correct disputed data when notified.

FCRA 609 ( 15 U.S. Code 1681g ) Refusing to disclose the method of verification, data source, and supporting documentation of the accounts in question.

CFPB Regulation V ( 12 CFR Part 1022 ) Noncompliance with procedural requirements regarding consumer dispute resolution.

The repeated refusal to supply documentation proving the validity of the alleged debts and the closing of my dispute in bad faith constitute willful noncompliance with federal law. I insist that these disputed accounts be immediately deleted from my credit file under the FCRA. Failure to act accordingly will result in further legal remedies including complaints to the Federal Trade Commission ( FTC ) and a potential civil suit for damages under 15 U.S. Code 1681n and 1681o, which permit recovery of actual damages, punitive damages, and attorneys fees.

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 2025-06-04 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: GA

Complaint narrative:
I am formally documenting that I have submitted multiple dispute notices to Equifax, Transunion, and Experian on XX/XX/year>, XX/XX/year>, and again on XX/XX/XXXX, XXXX in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. I provided all required documentation, including my government-issued photo ID, Social Security card , and address verification through federal financial aid correspondence, as I do not have utility bills in my name.

Despite my compliance, the reporting agencys unilaterally closed my dispute case without providing proper documentation to support their so-called verification. No forward flow agreements, billing statements, contracts, or original application data were suppliedmerely a statement that the accounts were verified, which fails to meet the burden of proof required under federal law.

Equifaxs conduct constitutes multiple violations of federal consumer protection laws, including : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failing to delete or correct inaccurate or unverifiable information within 30 days.

15 U.S. Code 1681e ( b ) Failing to follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S. Code 1681g Failing to provide all information in the consumers file upon request.

15 U.S. Code 1681s-2 ( b ) The data furnishers failure to properly investigate and correct disputed data when notified.

FCRA 609 ( 15 U.S. Code 1681g ) Refusing to disclose the method of verification, data source, and supporting documentation of the accounts in question.

CFPB Regulation V ( 12 CFR Part 1022 ) Noncompliance with procedural requirements regarding consumer dispute resolution.

The repeated refusal to supply documentation proving the validity of the alleged debts and the closing of my dispute in bad faith constitute willful noncompliance with federal law. I insist that these disputed accounts be immediately deleted from my credit file under the FCRA. Failure to act accordingly will result in further legal remedies including complaints to the Federal Trade Commission ( FTC ) and a potential civil suit for damages under 15 U.S. Code 1681n and 1681o, which permit recovery of actual damages, punitive damages, and attorneys fees.

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 2025-06-04 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: GA

Complaint narrative:
I am formally documenting that I have submitted multiple dispute notices to Equifax, Transunion, and Experian on XX/XX/year>, XX/XX/year>, and again on XX/XX/XXXX, XXXX in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. I provided all required documentation, including my government-issued photo ID, Social Security card , and address verification through federal financial aid correspondence, as I do not have utility bills in my name.

Despite my compliance, the reporting agencys unilaterally closed my dispute case without providing proper documentation to support their so-called verification. No forward flow agreements, billing statements, contracts, or original application data were suppliedmerely a statement that the accounts were verified, which fails to meet the burden of proof required under federal law.

Equifaxs conduct constitutes multiple violations of federal consumer protection laws, including : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) Failing to delete or correct inaccurate or unverifiable information within 30 days.

15 U.S. Code 1681e ( b ) Failing to follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S. Code 1681g Failing to provide all information in the consumers file upon request.

15 U.S. Code 1681s-2 ( b ) The data furnishers failure to properly investigate and correct disputed data when notified.

FCRA 609 ( 15 U.S. Code 1681g ) Refusing to disclose the method of verification, data source, and supporting documentation of the accounts in question.

CFPB Regulation V ( 12 CFR Part 1022 ) Noncompliance with procedural requirements regarding consumer dispute resolution.

The repeated refusal to supply documentation proving the validity of the alleged debts and the closing of my dispute in bad faith constitute willful noncompliance with federal law. I insist that these disputed accounts be immediately deleted from my credit file under the FCRA. Failure to act accordingly will result in further legal remedies including complaints to the Federal Trade Commission ( FTC ) and a potential civil suit for damages under 15 U.S. Code 1681n and 1681o, which permit recovery of actual damages, punitive damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Solar Mosaic LLC
State: TX

Complaint narrative:
Solar Mosaic LLC XX/XX/XXXX - reporting negative reporting on my credit report without written consent/a payment has been made every month-currently in legal actions with this company due to other unlawful acts. Request to be removed or suppressed. 

XXXX XXXX XX/XX/XXXX was initially removed from my report several years ago and recently added back. Has been filed with a 3rd party collection agency. Has me on as a co-signer. I am not the loan holder on this account and I am not responsible for this loan. Also reporting negative on my credit report without my consent. Request to be removed. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX paid off XX/XX/XXXX - is showing on my credit report with Transunion as account with adverse information- Agent stated that it isn't reflected as a negative report but is showing as such on my latest report. Request this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
b'Subject: Request for Deletion Based on Protected Consumer Status\n\nTo Whom It May Concern,\nI am requesting the deletion of the following account:\n- Creditor: XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX  LATE PAYMENT : ACCOUNT XXXX a recipient of [SSI/SNAP/Medicaid/etc.], I am considered a protected consumer under the FDCPA and FCRA. Reporting this debt is causing undue harm and is not justified under federal law.\nAttached is proof of my protected income. I respectfully request that this account be deleted from all\nreporting systems within 15 days.\n\nSincerely,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 2025-06-04 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: PA

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX. Date : XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX  XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXX 
XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/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 2025-06-04 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:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-06-04 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-04 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation