vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX ( Account # XXXX ) To Whom It May Concern, I am writing to dispute inaccurate and misleading information currently reported on my Experian credit file. The entry from XXXX XXXX XXXX ( Account # XXXX ) contains several inconsistencies and reporting errors which require immediate correction or deletion in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following inaccuracies are noted : 1. Incorrect Balance Reporting The account reflects a balance of {$4200.00}, yet shows the original balance as {$3400.00}. There is no explanation or itemization of how this amount increased, violating the requirement for accurate and verifiable reporting.

2. Duplicate/Conflict in Original Creditor Information The creditor is listed as XXXX XXXX XXXX XXXX but references a different lender, XXXX XXXX without documentation showing a valid assignment or legal transfer of the debt. This discrepancy must be clarified and substantiated. 
3. Improper Reporting of Payment History The account is marked as past due as of XX/XX/year>, while also marked as a collection account. This creates a contradictory reporting status, as collections should not be simultaneously reported as revolving or currently delinquent accounts.

4. Failure to Validate Debt During Prior Dispute The account includes a comment that it was Previously in Dispute, yet no actual proof of debt validation or supporting documents were ever provided. Under the FCRA and FDCPA, continued reporting without verification constitutes a violation.

Requested Action : Under the M-2 method and FCRA Section 611, I am requesting the following : Immediate investigation of this account.

Full validation, including contract, itemization of the balance, and chain of assignment from the original creditor.

Correction or complete deletion of the account from my credit file if proper documentation can not be produced.

Please confirm receipt of this dispute and respond within 30 days as required by law. If this inaccurate information is not corrected or removed, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Sincerely, 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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-05-15 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: RI

Complaint narrative:
I am submitting this formal complaint due to Experians continued reporting of inaccurate, incomplete, and misleading information related to a XXXX  XXXX XXXX credit card account ending in XXXX. 
Identified Violations : 1. Charge-Off with Active Balance : The account is reported as charged off for {$1800.00}, while simultaneously reflecting an active balance of $ XXXX is contradictory and violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy of the information they report.

2. Improper Charge-Off Reporting Over Multiple Months : The account shows the status " CO '' ( Charge-Off ) repeatedly for over 12 consecutive months, which is inconsistent with Metro 2 standards, which only allow one charge-off reporting in the month it occurs. 
3. Missing Date of First Delinquency ( DOFD ) : Experian failed to include the DOFD, which is legally required under 15 U.S.C. 1681c ( c ) to determine when the account should be removed from the credit file.

4. Violation of XXXX Deceptive Practices : Reporting a charged-off account with a remaining active balance without proper clarification is misleading and deceptive, in violation of 12 U.S.C. 5531 and 5536 under the XXXX XXXX. 
Failure to Conduct a Reasonable Reinvestigation : If Experian has received previous disputes or fails to conduct a manual, documented reinvestigation of this dispute, it would be in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 (

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 2025-05-15 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: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX Thanks, XXXX XXXX XXXX in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$470.00} 2. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$110.00} Inquiries Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX  XXXX Amount XXXX : XX/XX/XXXX Account name : XXXX XXXX  Amount Opened : XX/XX/XXXX 5.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXXXXXX XXXX Amount Opened : XX/XX/XXXX 7.Account name : XXXX Amount Opened : XX/XX/XXXX 8.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 9.Account name : XXXX Amount XXXX XXXX XX/XX/XXXX XXXXAccount name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX Card Amount Opened : XX/XX/XXXX XXXXAccount name XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I received a report of my credit and notice credit card accounts that Im not aware of.

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 2025-05-15 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: NJ

Complaint narrative:
XXXX XXXX XXXX reported me as providing a deed in lieu of foreclosure. This is false. I paid the loan in full. But they reported falsely to the credit bureaus, and I received an alert form Experian. I have tried to resolve but they deny any information in their systems that tell me or them why they made the false report.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt 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 2025-05-15 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXXXX/XX/XXXX # XXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX XXXXXX/XX/XXXX # XXXX XX/XX/XXXX -- {$28000.00} XX/XX/XXXX XXXX XX/XX/XXXX -- {$720.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$450.00} XX/XX/XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

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! 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 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 2025-05-15 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:
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! 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 non-monetary relief
Consumer complaint received 2025-05-15 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:
Subject : Second Formal Request for Removal of Unauthorized Account Insufficient Verification Dear Equifax This letter constitutes a second formal dispute regarding an account that appears on my credit report, as detailed below : FRAUDULENT ACOUNT : XXXX XXXX XXXX / XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRY : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In your previous response, you stated that the account was verified. However, such verification does not comply with the standards set forth under Section 611 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that any investigation be reasonable, complete, and supported by verifiable evidence.

Let me reiterate : I never gave my express consenteither written or verbalfor this account to be reported to any credit reporting agency. You are legally obligated to confirm whether the entity furnishing this information has a permissible purpose under Section 604 ( 15 U.S.C. 1681b ) and whether they obtained my explicit authorization to do so.

Accordingly, I respectfully request the following : Provide me with documentary evidence ( not just a generic automated confirmation ) proving that I authorized this account to be reported.

Conduct a new, manual and thorough investigation as required by law.

Remove the account immediately if you are unable to validate my consent with credible documentation.

If I do not receive this documentation within 15 business days, I will be forced to : Escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), File a formal complaint with the Federal Trade Commission ( FTC ), And explore potential legal action for negligence and noncompliance with the FCRA Attached to this letter, I am resubmitting : A copy of my government-issued ID, Proof of my current address, The FTC Report . t ( FTC Report Number : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 recently looked at my credit report and noticed 2 student loan accounts opened without my knowledge. The overall balance for those accounts totals up to {$6000.00}.

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 explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I recently looked at my credit report and noticed 2 student loan accounts opened without my knowledge. The overall balance for those accounts totals up to {$6000.00}.

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 2025-05-15 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: OH

Complaint narrative:
I am reporting Experian for ongoing credit reporting violations, including the reinsertion and continued publication of multiple fraudulent and unverifiable accounts, even after proper identity theft documentation and dispute filings were submitted. Despite filing prior complaints, Experian has failed to delete inaccurate data and recently added new fraudulent collections while prior disputes were still under review. 

Fraudulent and unauthorized accounts on my Experian file include : XXXX XXXX XXXX XXXX Bank XXXX XXXX with no verification XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX yet still reports derogatory status XXXX XXXX XXXX XXXX XXXX XXXX XXXX identity theft XXXX XXXX XXXX XXXX {$22000.00} charge-off, unverified XXXX XXXX XXXX XXXX XXXX  collection not mine XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX accounts were disputed with supporting documentation, including an FTC Identity Theft Report and utility XXXX showing my correct address. Experian failed to delete or block these items per FCRA 1681c-2 and continues to verify them without providing the method of verification required under 1681i ( a ) ( 6 ) ( B ) ( iii ). 

To make matters worse, new fraudulent collections ( XXXX XXXX, XXXX XXXX, XXXX Receivables ) were added while my previous disputes were unresolved indicating willful neglect and disregard for proper reinvestigation under XXXX and accuracy standards under 1681e ( b ). 

This mishandling has damaged my credit, obstructed funding and housing opportunities, and constitutes a clear pattern of negligent and willful noncompliance.

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 2025-05-15 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 filing a formal complaint against Experian, Equifax, and TransUnion for their failure to correct inaccurate and unverifiable information on my credit reports after multiple disputes. 

As a consumer with credit compliance knowledge, I have clearly documented the following issues : XXXX  XXXX ( XXXX & XXXX ) All three CRAs report different delinquency dates and statuses. This inconsistency proves at least one bureau is not reporting accurately, violating FCRA 1681e ( b ). 

XXXX XXXX XXXXXXXX Continues to show 30/60/90-day late payments from XXXX  on Experian and Equifax, despite closure and lack of validation documentation. 

XXXX XXXX Still reports as a charge-off on multiple reports despite being settled in XXXX  and no activity since. Reporting a charge-off beyond resolution date violates 1681c ( a ) ( 4 ). 

XXXX XXXX Experian shows it as a charge-off sold to another lender. TransUnion and Equifax are silent. Continued reporting by Experian is misleading. 

XXXX XXXX Listed as paid/closed, but I dispute the legitimacy of the account due to possible identity error. No verification has been provided. 

Each bureau either failed to verify the information properly or ignored inconsistencies across agencies, violating FCRA 611 and 623. My second dispute letters include legal citations and demands for specific verification documentation, but the CRAs continue to respond with vague status updates like verified or remains. 

I am requesting the CFPB : Require the CRAs to furnish proof of investigation and verification. 

Demand deletion of all unverifiable accounts. 

Enforce penalties for systemic noncompliance. 

I have attached documentation for review, including side-by-side comparison tables and CRA dispute response 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 non-monetary relief