vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
I'm a victim of fraud as I did not authorize my data to be breached or shared with anyone under us XXXX XXXX. The following attached letter describes the incidents involved I have to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Fraud Dispute and Request for Removal of Negative Items Under 15 U.S. Code 1681 To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all negative items listed on my credit reports maintained by your agencies. I am a victim of identity theft, and my personal andfinancial information has been compromised. These fraudulent items do not belong to me and are damaging my credit standing without just cause.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am exercising my legal right to dispute and block the reporting of any information resulting from identity theft. Furthermore, per 15 U.S. Code 1681c-2, you are required to block such information from my credit report within four business days of receiving my written request and any necessary documentation.

I am demanding that you : 1. Immediately remove all negative and fraudulent items resulting from identity theft.

2. Initiate a reinvestigation into each disputed entry in accordance with 15 U.S.C. 1681i.

3. Provide a written response confirming the removal or outcome of the investigation. 
I am prepared to provide a police report, identity theft affidavit, or any other documentation you require to confirm my status as a fraud victim.

If these inaccuracies are not resolved promptly, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal remedies. 
Please confirm receipt of this dispute and respond within the time required by law. 
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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I notified Equifax, Experian, and Transunion of the following : I am writing to formally dispute your failure to properly investigate inaccuracies in my credit report. I have previously submitted disputes regarding erroneous information, yet you have consistently responded within 24 hours stating that the disputed information is accurate. This response time strongly suggests that a proper and thorough investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Given your repeated, rapid responses, I have serious concerns that you are not fulfilling this legal obligation. Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) mandates that you must review and consider all relevant information provided by the consumer. I have supplied documentation supporting my dispute, yet my concerns remain unresolved. I request that you immediately conduct a proper reinvestigation of the following inaccurate information on my credit report : Collections ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX demand that you : 1. Conduct a full, fair, and reasonable reinvestigation of the disputed items in accordance with FCRA guidelines. 2. Provide me with a detailed explanation of your findings and the methodology used in your investigation. 3. Supply me with an updated and corrected credit report upon resolution of this dispute. 4. Provide the name and contact information of any creditor or entity that verified the disputed information. Please respond to this dispute in writing within 30 days, as required by law. 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 2025-06-10 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: FL

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

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 2025-06-10 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-10 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: DC

Complaint narrative:
I reported to experian that they were reporting false information about my credit cards for years. Wrong amounts, wrong limits and late payments. I disputed them for years. Experian would never report accurately. Now I have missed business deals and opportunities.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
. I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-06-10 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: NV

Complaint narrative:
TO : EQUIFAX INFORMATION SERVICES LLC ( ATTENTION FRAUD DEPARTMENT ) XXXX XXXX XXXX XXXX, GA XXXX. 

I, XXXX XXXX XXXX I'm a victim of identity theft including but not limited to the XXXX  Equifax data breach and XXXX  XXXX XXXX breach. EQUIFAX INFORMATION SERVICES LLC is in violation of FACTA and FCRA including section 605b, 605B ( c ), 611 ( a ) ( 1 ) ( A ) and 15 U.S.C. section 1681c-2 willful non-compliance and stall tactics in identity theft matters. I have fraudulent and unauthorized accounts that are still reporting on my consumer profile after multiple attempts of delivering verified documents to have them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
XXXX - I was never late on this account, please remove late payment history

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 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AP

Complaint narrative:
I am an XXXX XXXX XXXX  member who relocates frequently due to XXXX  orders. I recently discovered a negative tradeline from Fair Collections & Outsourcing ( FCO ) for {$960.00} related to a former apartment at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This debt is allegedly from XX/XX/XXXX and involves move-out charges ( cleaning, carpet replacement, trash labor, etc. ). However, I was on a joint lease with other tenants, and the debt has been reported only under my name and not theirs, which is inaccurate and unfair. 

I was never notified at move-out that any amount was due, nor did I receive any follow-up communication from XXXX XXXX at the time. I only became aware of this when checking my credit report in XXXX. 

On XX/XX/XXXX, FCO sent me what they claimed was validation of the debt, but it was incomplete. It did not include a lease agreement or explanation for why I alone am being held responsible. The charges also appear inflated ( {$550.00} trash removal, {$330.00} carpet ), and I was given no opportunity to dispute them before they were assigned to collections. 

I contacted FCO and requested further documentation and clarification. They did not provide adequate proof and refused to remove the item even when I asked to negotiate in good faith. 

As a military member protected under the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting this item be investigated and either removed or corrected to reflect shared responsibility or nullification due to lack of proper notice and due process. 

I also request the account be marked as " disputed '' with all credit bureaus during the investigation.

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 2025-06-10 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: FL

Complaint narrative:
This complaint supplements CFPB Case # XXXX My XXXX XXXX XXXX is reported 60 days late for XX/XX/year>. XX/XX/year> is marked paid on time, so a 60-day delinquency the very next month is implausible. 

Attached evidence via PDF. 
Government-issued photo ID Social Security card ( full SSN ) Current utility bill ( verifies address ) Screenshot of the disputed report entry Prior verification-request letter/email Formal request under FCRA 611 ( a ) ( 7 ) Method of Verification ( MOV ) Procedure used to verify the late payment ( e.g., ACDV, manual review ). 

Name, business address, phone number, and response date/time of each furnisher contacted. 

Copies of any records that substantiate the delinquency ( billing ledger, payment screen print, etc. ). 

If verifiable proof is not provided within 15 days, delete or correct the entry to Paid / Never Late and issue an updated credit report. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was told by XXXX XXXX there is a guy from XXXX  calming I committed fraud with his account, but I haven't used the Chase account for over a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
They claimed I received an email and said I READ it meaning I approved the over {$800.00} in charges. They claim I received this email XX/XX/XXXX but I have it saved and it was sent on a Saturday the XXXX to my work email and I reported it first thing Monday when I saw the fraudulent charges from across the Country. They said they will NOT remove the charges because I READ the email and did not report it immediately. However I did the minute I saw the charges. It is obvious I did not make the charges. You can look at my purchase history and all purchases are basically the same. I pay my bill in FULL every month. They will not even speak to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX with a balance of {$810.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US 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 2025-06-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

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

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed the company because I didnt authorize or receive any services from this company that claim I had received. I also ask for proof that I also didnt receive.

Company response to consumer: Closed with non-monetary relief