vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Rest to Block and Delete Fraudulent Inquiries Identity Theft Victim Dear Equifax XXXX  XXXX , I am writing to formally request the blocking and deletion of fraudulent inquiries and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Equifax data breach, and unauthorized inquiries have been fraudulently opened in my name. 

The fraudulent inquiries that I have identified on my credit report are as follows : XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. VA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I request that Equifax promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile. 
Furthermore, I request written confirmation that these inquiries have been removed, as well as an updated copy of my credit report reflecting these changes. 
If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit reports from TransUnion, Experian, and Equifax and identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These errors are harming my credit profile and do not reflect the true status of my credit history. 

Despite submitting disputes, I have not received proper validation or correction. The issues include : Charge-off accounts reported without proper documentation. 

Duplicate accounts with inconsistent statuses across bureaus. 

Late payments listed on accounts that are paid, settled, or in good standing. 

Repossession and collection accounts that I did not authorize or recognize. 

Accounts marked as " Dispute Resolved Consumer Disagrees '' without any supporting documentation. 

Unauthorized inquiries that were made without my knowledge or consent. 

I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), yet the inaccuracies remain. These unresolved items are preventing me from accessing financial opportunities such as housing and auto financing. I request immediate reinvestigation and removal of any unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Dispute of Multiple Inaccurate Charge-Offs and Derogatory Accounts FCRA XXXX / FDCPA XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX Complaint : I am submitting this complaint to dispute multiple inaccurate, incomplete, and unverifiable accounts being reported on my XXXX  credit report dated XX/XX/year>. The following creditors have failed to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance standards by reporting derogatory tradelines without providing full validation or required documentation. XXXX. XXXX XXXX XXXX XXXX Account ending in XXXX Status : Charged off with {$33000.00} written off. No original signed contract or agreement. No itemized billing statement provided. No proof of lawful assignment of debt. Violations : FCRA 611 ( a ) ( 1 ), FDCPA 809 ( b ), FCRA 609 ( a ) ( 1 ), Metro 2 noncompliance. XXXX. XXXX Account XXXX in XXXX XXXX : Charged off for {$2500.00}. Reported with XXXX  months of delinquency. No documentation or validation of the debt has been furnished. XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX : Charged off for {$18000.00}. XXXX  months of negative reporting without any account ledger or validation. No proof of original contract or payment record. XXXX. XXXX XXXX XXXX ( sold to XXXX XXXX XXXX ) Account ending in XXXX Status : Charged off for {$19000.00}. No original agreement, itemized charges, or lawful transfer evidence provided. Reported inaccurately as transferred without verification. XXXX. XXXX / XXXX XXXX XXXX  Account ending in XXXX Status : Open, XXXX late payments reported. Discrepancies in payment history timeline and missing data fields. Labeled as " loan modified under federal plan '' but lacks required modification documentation. XXXX XXXX XXXX and FCRA XXXX ( a ) ( XXXX ) violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On the night of our wedding, XX/XX/year>, XXXX XXXX was contracted to provide coach bus transportation for our guests between XXXX XXXX  and XXXX XXXX. The company failed to fulfill this obligation. Only XXXX trip was completed, and no replacement bus arrived until approximately XXXX XXXX  late, long after most of our guests had been forced to find alternate transportation in the cold. 
XXXX XXXX has since made false and misleading statements, claiming they provided service during the contracted hours. This is a blatant lie. Their breach of contract disrupted our wedding, left our guests stranded, and caused unnecessary stress and chaos on what should have been a joyful night. 
Despite our repeated efforts to resolve this matterincluding providing extensive documentation, email correspondence, communication logs, and the service XXXX XXXX has been entirely uncooperative, dishonest, and dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. t recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated XXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Amount : {$63.00} XXXX XXXX Date of Account : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : {$2400.00} Date of Account : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Ammount : {$560.00} Date of Account : XXXX Creditor/Collection Agency Name : Conserve Account Number : XXXX Amount : {$570.00} Date of Account : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Amount : {$640.00} Date of Account : XXXX Creditor- Collection Agency Name : XXXX XXXX Account XXXX Amount : {$1000.00} Date of Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
I was never billed for XXXX or from Caine & Weiner. The rules under the Fair Debt Collection Practices Act have been ignored, and this collection should be deleted permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CO

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not give permission to these companies to access my credit report, nor did I apply for any services with them. This is a direct violation of my rights as a consumer, and it is deeply concerning to me, especially during an already stressful time in 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 non-monetary relief
Consumer complaint received 2025-07-16 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:
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 identity 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 XXXXb, 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 XXXX U.S.C. XXXXi ( 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. 
XXXX U.S. CXXXX XXXXb 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. 
XXXX U.S. CXXXX XXXX  XXXX 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. 
XXXX U.S. CXXXX  XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am reaching out because Transunion is helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXX ( account # XXXX ) Company is reporting last payment date of XX/XX/XXXX but reported no payment amount, or any payment history, reporting that account closed in XXXX account closed in XX/XX/XXXX why is it still reporting late payments? Balance amount reported is inaccurate as in XXXX to XX/XX/XXXX no balance was reported. XX/XX/XXXX to XX/XX/XXXX a balance of {$320.00} was reported, XXXX a balance of {$350.00} is reported. 

Reported a high balance history $ XXXX XX/XX/XXXX to XX/XX/XXXX and payment history {$320.00} and {$350.00} Reported XXXX XXXX XXXX days late payments, XXXX XXXX XXXX days late paymentsXXXX XXXX XXXX XXXX  days late payments. 
As defined by the IRS : The IRS considers a Charge off to be income, either as gross or ordinary income. Income like this does not belong on a credit report, so this information on my report is not accurate!

By IRS rules, any canceled debt or Charge off is classified as income, reporting this a s a debt is incorrect.

According to 15 USC 1681s-2 Account name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

* * 15 USC s-2 ( a ) ( 1 ) ( A ) : a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and, the information is, in fact inaccurate.

This in summary I've shown you that this information is wrong, and you have been notified, keeping inaccurate inform on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete the incorrect information from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
XXXX XXXX, XXXX,XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX - Incorrect XXXX XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - XXXX Personal XXXX, XXXXXXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-07-16 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: CA

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 identity 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 XXXXb, 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 XXXX U.S.C. XXXXi ( 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. 
XXXX U.S. CXXXX XXXXb 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. 
XXXX U.S. CXXXX XXXX  XXXXc-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. 
XXXX U.S. CXXXX  XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report XXXX and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-17 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: WA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief