vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-05-20 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: LA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MS

Complaint narrative:
I am permanently disabled and receive Supplemental Security Income ( SSI ), which is protected from debt collection under 42 U.S. Code 407. I previously submitted a formal dispute to TransUnion regarding three collection accounts from XXXX XXXX XXXX, and I have already filed a CFPB complaint on those. 

Since that time, TransUnion began reporting a fourth collection account from XXXX XXXX XXXX ( for {$1200.00}, originally from The Bank XXXX Missouri ), even though I already sent a certified debt validation and hardship letter to XXXX for this new account as well. I included proof of my SSI status and clearly stated that the debt is not legally collectible. 

TransUnion is now reporting this additional XXXX account without conducting a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 15 U.S. Code 1681i ). XXXX has not responded to any of my letters and has failed to validate the debt under FDCPA 15 U.S. Code 1692g ( b ). Under FCRA 15 U.S. Code 1681s-2 ( b ), TransUnion must delete any information that can not be verified by the furnisher. 

Continuing to report this disputed, unvalidated, and non-collectible debt especially after a prior dispute and CFPB complaint shows a pattern of noncompliance with federal law. This is causing me unnecessary harm despite being protected as an SSI recipient. I am requesting that this account be permanently deleted from my credit report due to XXXX failure to validate, my protected XXXX status, and ongoing violations of federal law. 
This same XXXX account is now also being reported by Equifax and Experian. I am requesting full deletion across all three credit bureaus due to the failure to validate the debt and the financial hardship I documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am permanently disabled and receive Supplemental Security Income ( SSI ), which is protected from debt collection under 42 U.S. Code 407. I previously submitted a formal dispute to TransUnion regarding three collection accounts from XXXX XXXX XXXX, and I have already filed a CFPB complaint on those. 

Since that time, TransUnion began reporting a fourth collection account from XXXX XXXX XXXX ( for {$1200.00}, originally from The Bank XXXX Missouri ), even though I already sent a certified debt validation and hardship letter to XXXX for this new account as well. I included proof of my SSI status and clearly stated that the debt is not legally collectible. 

TransUnion is now reporting this additional XXXX account without conducting a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 15 U.S. Code 1681i ). XXXX has not responded to any of my letters and has failed to validate the debt under FDCPA 15 U.S. Code 1692g ( b ). Under FCRA 15 U.S. Code 1681s-2 ( b ), TransUnion must delete any information that can not be verified by the furnisher. 

Continuing to report this disputed, unvalidated, and non-collectible debt especially after a prior dispute and CFPB complaint shows a pattern of noncompliance with federal law. This is causing me unnecessary harm despite being protected as an SSI recipient. I am requesting that this account be permanently deleted from my credit report due to XXXX failure to validate, my protected XXXX status, and ongoing violations of federal law. 
This same XXXX account is now also being reported by Equifax and Experian. I am requesting full deletion across all three credit bureaus due to the failure to validate the debt and the financial hardship I documented.

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 2025-05-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX reported XXXX payments for the following XXXX months in XXXX for XXXX XXXX loan : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. There was never a XXXX  payment. I changed my car insurance on XX/XX/year> and they did not get that insurance change information from my XXXX, so they applied a forced insurance. I still made my loan payments, and asked them to remove the forced insurance after providing my new insurance binder. They removed it and adjusted the monthly payments for those XXXX  months listed above. But instead of adjusting the payment, they actually cancelled all XXXX  payments and re-applied the loan payment. When they canceled all XXXX payment, it hit my credit report stating I never made payments for those XXXX months. I have called them multiple times to fix this inaccuracy as it hurt my XXXX XXXX, which they fixed, but then after a month, it came back again. They agreed that it was a mistake but still unable to fix this. Please assist. Thank you.

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 2025-05-20 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX * * * * * * Balance : {$3100.00} XXXX  XXXX XXXX * * * * * * Balance : {$700.00} XXXX  XXXX XXXX * * * * Balance : {$16000.00} XXXX  XXXX XXXX * * * * Balance : {$8100.00} XXXX  XXXX XXXX * * * * Balance : {$8700.00} XXXX  XXXX XXXX * * * * * * Balance : {$3300.00} XXXX XXXX  XXXX * * * * * * Balance : {$6000.00} XXXX  XXXX XXXX * * * * * * Balance : {$6100.00} XXXX XXXX XXXX XXXX * * * * Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX * * * Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX * * * * * * Balance : {$3100.00} XXXX  XXXX XXXX * * * * * * Balance : {$700.00} XXXX  XXXX XXXX * * * * Balance : {$16000.00} XXXX  XXXX XXXX * * * * Balance : {$8100.00} XXXX  XXXX XXXX * * * * Balance : {$8700.00} XXXX  XXXX XXXX * * * * * * Balance : {$3300.00} XXXX XXXX  XXXX * * * * * * Balance : {$6000.00} XXXX  XXXX XXXX * * * * * * Balance : {$6100.00} XXXX XXXX XXXX XXXX * * * * Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX * * * Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The current furnisher, XXXX XXXX XXXX, has failed to provide a complete chain of title for this account and has refused to supply a purchase and sale agreement verifying ownership. As such, the accuracy and verifiability of this account remain in question under XXXX XXXX. XXXX and XXXX. I request this tradeline be deleted due to lack of proper 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 2025-05-20 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: TX

Complaint narrative:
This company has violated my rights. Law 15 USC 1681i ( a ) ( 5 ) ( A ) states item that can not be verified must be deleted from my credit file/report. I request that the company at hand provide proof of the validation of this account with my original wet signature stating that I have ever done business with them. They have violated the FCRA by reporting False and/or Inaccurate information on my credit File.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This company has violated my rights. Law 15 USC 1681i ( a ) ( 5 ) ( A ) states item that can not be verified must be deleted from my credit file/report. I request that the company at hand provide proof of the validation of this account with my original wet signature stating that I have ever done business with them. They have violated the FCRA by reporting False and/or Inaccurate information on my credit XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
This company has violated my rights. Law 15 USC 1681i ( a ) ( 5 ) ( A ) states item that can not be verified must be deleted from my credit file/report. I request that the company at hand provide proof of the validation of this account with my original wet signature stating that I have ever done business with them. They have violated the FCRA by reporting False and/or Inaccurate information on my credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-20 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2025-05-20 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: IN

Complaint narrative:
These accounts were reported under my name without my knowledge or consent. I have never authorized or managed them, and their presence is unacceptable and misleading. I demand immediate clarification on their origin and removal from my credit 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 non-monetary relief
Consumer complaint received 2025-05-20 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: MS

Complaint narrative:
I am a victim of identity theft due to an online data breach that made my personal information available to hackers. My personal information was used to create fraudulent credit card accounts in my name and without my knowledge. 

XXXX. XXXX XXXX ( acct # XXXX ) - someone opened an account on. XXXX. XX/XX/year> fraudulently that has a balance of {$470.00} and is negatively reporting on my credit report XXXX. XXXX XXXX XXXX  ( acct # XXXX ) - someone fraudulently opened a credit card account in my name on XX/XX/year> that has a balance of {$1700.00} and is negatively reporting on my credit report. 

XXXX. XXXX  XXXX ( acct # XXXX ) - someone opened a credit card account in my name on XX/XX/year> with a balance of {$1600.00}, negatively impacting my credit history. 
All XXXX of these accounts were opened fraudulently in my name without my knowledge, and I have never had access to any of the accounts.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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. 

XXXX CARD # XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$8500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$7500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX 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 2025-05-20 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: AL

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my 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 explanation