vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of SELFINCLEAD - XXXX XXXX CAR - XXXX XXXX XXXX - XXXX REC XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am disputing an inaccurate late payment entry currently shown on my credit file. My own records prove that every payment was made on time, and this erroneous reporting is harming my creditworthiness. This is a clear violation of the FCRAs accuracy requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I contacted Equifax to delete a collection account that is reported to my credit report by wrong, it contains an account in collections, it is paid in full in 29 days since collection first call to myself, this should be deleted since it was reported by mistake to my report as it was paid, also I has agreement that this is should be deleted once paid with XXXXXXXX XXXX, attached my payments. 
Equifax.com on the other side, I called and emailed XXXXXXXX XXXX company in order to honor their agreement that this amount was paid in a timely manner within a month and it set for deletion but they ignore my requests, as well the customer service mentioned that I shall get a letter of deletion after payments are submitted but their website shows it needs time and I didn't get any letters to my email. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against the credit reporting agenciesExperian, Equifax, and TransUnionfor continuing to report a dismissed XXXX  XXXX bankruptcy on my credit report in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Account Details : Type : XXXX  XXXX Bankruptcy ( Dismissed ) Date Filed : XX/XX/XXXX Date Dismissed : XX/XX/XXXX Reference Number : XXXX On Record Until : XX/XX/XXXX Issue : This bankruptcy case was dismissed, not XXXX. A dismissal means the court did not approve or finalize the bankruptcy petition, and therefore, the consumer did not receive relief under bankruptcy protection. Despite this, the bureaus continue to report this public record as a negative item, damaging my credit and misrepresenting my financial status. 

Violations : FCRA 607 ( b ) Inaccurate Reporting Consumer reporting agencies must ensure maximum possible accuracy. Reporting a dismissed bankruptcy alongside discharged or active ones is misleading, and its continued inclusion presents an inaccurate portrayal of my creditworthiness.

FCRA 605 ( a ) ( 1 ) Obsolete Information Negative public records such as bankruptcies are limited to 7 or 10 years depending on status. Since this bankruptcy was dismissed just 49 days after filing, and no judgment was issued, the current reporting until XX/XX/XXXX is excessive and punitive. 

FCRA 611 Right to Dispute and Verification I previously disputed this item. The agencies responded that the record remained unchanged. However, no actual documentation from the court was provided to confirm the continued accuracy and necessity of reporting. If the agencies can not verify it directly with the court, they are required to delete it.

Inconsistent with CFPB Enforcement and Guidance The CFPB has issued guidance and taken enforcement actions against CRAs for reporting unverifiable or outdated public records, especially bankruptcies that were dismissed or lack proper court verification.

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 2025-08-11 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:
I am filing this formal complaint against Equifax for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Equifax has failed to remove or block fraudulent account from my credit file as required by law. The account in question include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Equifaxs refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting account without proper notice. This failure has caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against the credit reporting agenciesExperian, Equifax, and TransUnionfor continuing to report a dismissed XXXX  XXXX bankruptcy on my credit report in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Account Details : Type : XXXX  XXXX Bankruptcy ( Dismissed ) Date Filed : XX/XX/XXXX Date Dismissed : XX/XX/XXXX Reference Number : XXXX On Record Until : XX/XX/XXXX Issue : This bankruptcy case was dismissed, not XXXX. A dismissal means the court did not approve or finalize the bankruptcy petition, and therefore, the consumer did not receive relief under bankruptcy protection. Despite this, the bureaus continue to report this public record as a negative item, damaging my credit and misrepresenting my financial status. 

Violations : FCRA 607 ( b ) Inaccurate Reporting Consumer reporting agencies must ensure maximum possible accuracy. Reporting a dismissed bankruptcy alongside discharged or active ones is misleading, and its continued inclusion presents an inaccurate portrayal of my creditworthiness.

FCRA 605 ( a ) ( 1 ) Obsolete Information Negative public records such as bankruptcies are limited to 7 or 10 years depending on status. Since this bankruptcy was dismissed just 49 days after filing, and no judgment was issued, the current reporting until XX/XX/XXXX is excessive and punitive. 

FCRA 611 Right to Dispute and Verification I previously disputed this item. The agencies responded that the record remained unchanged. However, no actual documentation from the court was provided to confirm the continued accuracy and necessity of reporting. If the agencies can not verify it directly with the court, they are required to delete it.

Inconsistent with CFPB Enforcement and Guidance The CFPB has issued guidance and taken enforcement actions against CRAs for reporting unverifiable or outdated public records, especially bankruptcies that were dismissed or lack proper court verification.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against the credit reporting agenciesExperian, Equifax, and TransUnionfor continuing to report a dismissed XXXX  XXXX bankruptcy on my credit report in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Account Details : Type : XXXX  XXXX Bankruptcy ( Dismissed ) Date Filed : XX/XX/XXXX Date Dismissed : XX/XX/XXXX Reference Number : XXXX On Record Until : XX/XX/XXXX Issue : This bankruptcy case was dismissed, not XXXX. A dismissal means the court did not approve or finalize the bankruptcy petition, and therefore, the consumer did not receive relief under bankruptcy protection. Despite this, the bureaus continue to report this public record as a negative item, damaging my credit and misrepresenting my financial status. 

Violations : FCRA 607 ( b ) Inaccurate Reporting Consumer reporting agencies must ensure maximum possible accuracy. Reporting a dismissed bankruptcy alongside discharged or active ones is misleading, and its continued inclusion presents an inaccurate portrayal of my creditworthiness.

FCRA 605 ( a ) ( 1 ) Obsolete Information Negative public records such as bankruptcies are limited to 7 or 10 years depending on status. Since this bankruptcy was dismissed just 49 days after filing, and no judgment was issued, the current reporting until XX/XX/XXXX is excessive and punitive. 

FCRA 611 Right to Dispute and Verification I previously disputed this item. The agencies responded that the record remained unchanged. However, no actual documentation from the court was provided to confirm the continued accuracy and necessity of reporting. If the agencies can not verify it directly with the court, they are required to delete it.

Inconsistent with CFPB Enforcement and Guidance The CFPB has issued guidance and taken enforcement actions against CRAs for reporting unverifiable or outdated public records, especially bankruptcies that were dismissed or lack proper court verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX 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. This fraudulent, inaccurate, and false information consists of SELFINCLEAD - XXXX XXXX CAR - XXXX XXXX  FIN - XXXX REC XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX SERVICE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( 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.

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 2025-08-11 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 found several hard inquiries on my Equifax credit report that I did not authorize, except for XXXX XXXX  which I acknowledge. 
On XX/XX/XXXX, I submitted an online dispute to Equifax requesting documentary proof of my authorization for each of the other inquiries listed below, such as signed applications or recorded verbal authorizations : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX A few days later, Equifax refused to remove these inquiries and did not provide any proof that I authorized them. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of each disputed inquiry. Equifax has failed to provide such verification. 

I am requesting CFPB assistance in requiring Equifax to either provide documentary proof of my consent for each disputed hard inquiry listed above or remove these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$40.00} XXXX  XXXX Balance : {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX  BALANCED {$8300.00} XXXX XXXX  XXXX XXXX  BALANCED {$190.00}

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