vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Remove this account immediately I did not open this account pro folio recovery. This is directed to portfolio recovery. I did not open this account remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I am profoundly disappointed and angered by your reckless violation of my consumer rights through the dissemination of inaccurate, unverifiable, and unauthorized information on my credit report. You are legally obligated to report only factual, fully verified, and Metro 2-compliant data under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards.

The credit report I received contains multiple errors and unverifiable claims that raise serious doubts about your adherence to federal law and your responsibilities under FCRA 1681e ( b ), which requires maximum possible accuracy. The continued reporting of these accounts without complete and independent verification constitutes willful noncompliance, as defined under FCRA 1681n.

I demand that you provide tangible, verifiable, and original evidence proving the lawful reporting and permissible purpose of each disputed account, including my full written consent bearing my physical or electronic signature. If you can not produce such evidence, you are required by law to immediately DELETE the disputed information from my credit report.

Personal Information Being Challenged : Incorrect Name : XXXX, XXXX XXXX Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Employer : XXXX XXXXXXXX XXXX Employer : XXXX Employer : XXXX XXXX XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Accounts Being Challenged : XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX Inquiries Being Challenged : XXXX XXXX - XXXX I demand full compliance with FCRA 1681b ( a ) regarding permissible purpose for all inquiries. The listed inquiry lacks my documented, signed authorization and must be permanently DELETED if you can not produce my consent.

You are further instructed to mail physical copies of all documentation, including any and all evidence of my authorization, verification results, and an updated copy of my credit report reflecting accurate and fully compliant data.

Failure to comply within 5 business days will result in my immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible legal counsel to pursue full damages for willful noncompliance.

This is your final opportunity to correct your violations and ensure strict adherence to FCRA, FDCPA, and Metro 2 standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Personal Statement for Identity Theft Report I am a victim of identity theft and a recent data breach. As a result, my consumer report contains inaccurate information, including : Incorrect address Incorrect names Incorrect employment Incorrect Social Security number This information does not relate to any transaction I made. 
Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-1 ( a ) ), consumer reporting agencies and data furnishers must block and remove such unauthorized information within XXXX  business days of receiving this notice.

Effective immediately, I do not consent to any agency, data broker, or furnisher reporting these tradelines. Remove and update my report without delay. 
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 explanation
Consumer complaint received 2025-06-20 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: CO

Complaint narrative:
Personal Statement for Identity Theft Report I am a victim of identity theft and a recent data breach. As a result, my consumer report contains inaccurate information, including : Incorrect address Incorrect names Incorrect employment Incorrect Social Security number This information does not relate to any transaction I made. 
Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-1 ( a ) ), consumer reporting agencies and data furnishers must block and remove such unauthorized information within XXXX  business days of receiving this notice.

Effective immediately, I do not consent to any agency, data broker, or furnisher reporting these tradelines. Remove and update my report without delay. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Personal Statement for Identity Theft Report I am a victim of identity theft and a recent data breach. As a result, my consumer report contains inaccurate information, including : Incorrect address Incorrect names Incorrect employment Incorrect Social Security number This information does not relate to any transaction I made. 
Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-1 ( a ) ), consumer reporting agencies and data furnishers must block and remove such unauthorized information within XXXX  business days of receiving this notice.

Effective immediately, I do not consent to any agency, data broker, or furnisher reporting these tradelines. Remove and update my report without delay. 
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 explanation
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Account Number XXXX Balance : {$740.00} Open Date XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$4100.00} Open Date XX/XX/XXXXXXXX XXXX Account Number XXXX Balance : {$1000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$340.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX 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 2025-06-20 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: NV

Complaint narrative:
Several accounts have been reporting negative information on my credit file, including late payments and balances that I do not recognize or did not authorize. Some accounts began reporting as early as XXXX and continued through XXXX. I disputed these items with the credit bureaus and requested verification, including original contracts or proof of liability. To date, the companies have failed to provide the required documentation or respond with evidence supporting the accuracy of the accounts. These items remain unresolved and are negatively impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-20 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: SC

Complaint narrative:
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.

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 2025-06-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The court confirmed it does not report bankruptcies to credit bureaus, I requested a deletion because the item could not be verified at the source. The bureaus refused to remove it even after providing the court 's letter.

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 2025-06-20 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX  toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am disputing the American Express account ending in XXXX XXXX, which is reporting inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This account is listed as a charge-off with a {$1400.00} balance, even though the credit limit is shown as {$0.00} and the high credit matches the balance indicating either inaccurate credit limit reporting or incomplete account validation. Under FCRA 623 ( a ) ( 2 ) and XXXX XXXX reporting guidelines, any charged-off debt must either be listed with a {$0.00} balance if canceled or supported by an IRS Form 1099-C. No such 1099-C has ever been provided or filed. Additionally, the account is closed and still updating as delinquent, which violates FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) regarding correction or deletion of inaccurate or unverifiable information. The continuous reporting of charge-off status under a closed tradeline with no credit limit and unverifiable balance inflates utilization and causes substantial harm to my credit profile. This dispute is not duplicative the account shows new notations and status updates since my previous submission, including those reflected in Equifax Credit Report Confirmation # XXXX, dated XX/XX/year>. I am also filing a formal complaint with the Federal Trade Commission ( FTC ) and reserve my right under 15 U.S.C. 1681n to pursue action for noncompliance. I demand the immediate deletion of this account or correction to reflect a {$0.00} balance with removal of derogatory charge-off remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2025-06-20 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-20 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: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fall short of the legal requirement for maximum possible accuracy. These errors are causing significant harm to my financial well-being and placing an emotional and practical burden on me during an already difficult time. 
The ongoing impact is severefar beyond what a credit score should ever representand it is critical that these issues are addressed without delay. Correcting or removing these inaccuracies would bring much-needed relief, and frankly, would be a blessing in these trying circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX 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 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 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