vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a formal complaint against TransUnion and Experian regarding inaccurate and unverifiable information on my credit reports. XXXX XXXX, originally XXXX XXXX XXXX XXXX  ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), is reporting a {$2000.00} balance that I dispute and request validation for under FDCPA 809 and verification under FCRA 611, as I have not received sufficient documentation confirming the debt or the original date of first delinquency, potentially violating FCRA 605 ( c ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, a hard inquiry from XXXX  XXXX dated XX/XX/year> appears without permissible purpose under FCRA 604 ( a ) and 605 ( a ), and I request disclosure under FCRA 609 ( a ) ( 1 ) to verify its legitimacy. The continued reporting of unverifiable or obsolete accounts constitutes false, misleading, and unfair practices under FDCPA 807808 and FCRA 605 ( a ), adversely impacting my creditworthiness, and I am demanding that all inaccuracies, obsolete information, and unauthorized inquiries be fully investigated and removed from my reports.

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 2025-12-01 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: IL

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 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing a formal complaint against TransUnion and Experian regarding inaccurate and unverifiable information on my credit reports. XXXX XXXX, originally XXXX XXXX XXXX XXXX  ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), is reporting a {$2000.00} balance that I dispute and request validation for under FDCPA 809 and verification under FCRA 611, as I have not received sufficient documentation confirming the debt or the original date of first delinquency, potentially violating FCRA 605 ( c ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, a hard inquiry from XXXX  XXXX dated XX/XX/year> appears without permissible purpose under FCRA 604 ( a ) and 605 ( a ), and I request disclosure under FCRA 609 ( a ) ( 1 ) to verify its legitimacy. The continued reporting of unverifiable or obsolete accounts constitutes false, misleading, and unfair practices under FDCPA 807808 and FCRA 605 ( a ), adversely impacting my creditworthiness, and I am demanding that all inaccuracies, obsolete information, and unauthorized inquiries be fully investigated and removed from my reports.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was looking at my credit report and deed fraudulently activitys dont dont belong to me

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was looking at my credit report and deed fraudulently activitys dont dont belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this 7th follow-up CFPB complaint because multiple charged-off accounts, collection accounts, and hard inquiries continue to be reported inaccurately and without proper verification across Experian, Equifax, and TransUnion , violating my rights under FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), and FCRA 605B / 15 U.S.C. 1681c-2. All three bureaus continue reporting the charged-off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a {$340.00} balance despite the information being unverifiable and not properly validated as required. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) regarding accurate reporting and proper debt documentation for accounts over {$600.00}, the charged-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a {$710.00} balance and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a {$2900.00} balance * * are also still being reported across all bureaus without the legally required 1099-C, making the reporting incomplete and noncompliant. Additionally, under FDCPA 807, FDCPA 809, and FCRA 605B, the collection account XXXX XXXX XXXX  with a {$730.00} balance continues to be reported in Experian, Equifax, and TransUnion without proper validation or verification. Hard inquiries reported in violation of FCRA 619, FCRA 604 ( a ), and FCRA 604 ( f ) also remain, including the following Experian inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized, not properly certified, and were not supported by any permissible purpose documentation. After multiple disputes, the bureaus have failed to remove these unverifiable items, demonstrating repeated noncompliance and improper reinvestigation procedures.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 id-entity 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 1681b, 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 Federal 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 15 U.S.C. 1681i ( a ) ( 1 ) ( 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.

15 U.S. Code 1681b 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.

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 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 explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : XXXX ( Last XXXX ) : XXXXDate : XX/XX/XXXX TransunionXXXX. XXXX XXXX, XXXX, PA XXXX RE : Unauthorized Inquiry Dispute Remove Immediately To Whom It May Concern, I am formally disputing XXXX or more unauthorized credit inquiries appearing on my credit report. The following inquiry was NOT authorized by me, and the company did not have a permissible purpose under FCRA 604 to pull my consumer report : * Company : ( XXXX, XXXX XXXX, I XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) * Date of inquiry : ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, I XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- XXXX ) Under FCRA 604 ( a ), a consumer reporting agency XXXX only furnish my credit file when a creditor has a legally valid permissible purpose. Because I did not initiate a transaction, apply for credit, or authorize this inquiry in any form, its appearance on my report is unlawful. 
I am demanding the immediate deletion of this inquiry from my credit file.If the entity claims to have had permissible purpose, please provide : XXXX. Documentation bearing my signature or electronic authorization, XXXX. The purpose for which my report was accessed, XXXX. The name of the person at the company who requested my report. 
If verification can not be completed within 30 days, you must remove the inquiry as required by FCRA 611. 
Please provide written confirmation when this matter has been resolved. 
Sincerely, 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
am submitting this complaint because TransUnion, have failed to correct or properly investigate inaccurate information related to the JPMCB Auto account ( # XXXX * ). * * I disputed this account with the credit bureaus, and they have not responded or corrected the clearly inaccurate data within the required 30 days, which violates FCRA 611. 

The account continues to report multiple errors, including : XXXX. Incorrect account status : It shows XXXX / XXXX / XXXX even though the account has a {$0.00} balance and comments indicate it was Settled less than full balance. 
This violates Metro 2 reporting standards for settled accounts. 
XXXX. Conflicting dates : Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX The Last Active Date can not be after the last payment. This appears to be illegal re-aging, violating FCRA 623 ( a ) ( 5 ). 
XXXX. Improper payment history : Late payment codes continue after the account was settled. Once an account is charged off or settled, no new payment history should be reported. 
XXXX. Incorrect account classification : The account still appears as an active installment loan, even though it is closed and settled. 

Because the credit bureaus and JPMorgan Chase Bank have failed to correct or verify the information, I am requesting CFPB assistance to ensure the reporting is corrected or deleted in compliance with FCRA and Metro 2 rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
b'I am submitting this letter as my third formal dispute regarding inaccuracies on my Equifax and TransUnion credit report. Despite prior submissions, the\nissues remain unresolved. I am requesting a thorough and detailed reinvestigation of the items listed below, in accordance with the Fair\nCredit Reporting Act (FCRA), specifically Sections 607(a), 611(a), and 623(a)(1)(A), to ensure that all information reported on my file is\naccurate, complete, and verifiable.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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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 id-entity 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 1681b, 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 Federal 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 15 U.S.C. 1681i ( a ) ( 1 ) ( 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.

15 U.S. Code 1681b 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.

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 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 explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX there is no XXXX  XXXX  involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} Date Opened : XX/XX/XXXX Last XXXX Date Last XXXX late XXXX  days XXXX XXXXXXXX, XXXX  days late may XXXX, XXXX  days late XXXX XXXX, XXXX  days late XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX Last XXXX Date Last XXXX late XXXX  days XXXX XXXX  XXXX  days late may XXXX, XXXX  days late XXXX XXXX, XXXX  days late XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} Date Opened : XX/XX/XXXX Last XXXX Date Last XXXX late XXXX  days XXXX XXXXXXXX, XXXX  days late XXXX XXXX XXXX days late XXXX XXXX, XXXX  days late XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} Date Opened : XX/XX/XXXX Last XXXX Date Last XXXX late XXXX  days XXXX XXXXXXXX, XXXX  days late XXXX XXXX, XXXX  days late XXXX XXXX, XXXX  days late XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} Date Opened : XXXX Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX late XXXX days XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Opened : XXXX Last Active : XXXX XXXX late XXXX  days XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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 id-entity 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 1681b, 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 Federal 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 15 U.S.C. 1681i ( a ) ( 1 ) ( 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.

15 U.S. Code 1681b 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.

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S. Code 1681 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report. The account they are reporting was opened around XX/XX/2023 while I was still in an active XXXX  XXXX bankruptcy. My XXXX  XXXX was not XXXX until XX/XX/2023. XXXX did not have court approval to extend post-petition credit during the bankruptcy process. 

Despite this, they are reporting dates, balances, and payment information that are not accurate. I disputed this with the credit bureaus and XXXX verified the incorrect information without providing documentation. This is a violation of the FCRA because the information being furnished is inaccurate and the investigation they performed was inadequate. 

I am requesting CFPB assistance to make XXXX XXXX either fully correct the reporting with proper documentation or delete the account since the current information is inaccurate and misleading.

Company response to consumer: Closed with explanation