vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-24 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: AR

Complaint narrative:
I am requesting, under the Fair Credit Reporting Act ( FCRA ) Section 609, that you provide full verification of the account listed below, including a copy of any contract or agreement bearing my signature. 

XXXX  XXXX : XXXX If you can not provide this documentation, I respectfully request that you remove this account from my credit report immediately as required by law. 

Enclosed are copies of my government-issued ID and proof of residence. 

Sincerely, 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 2025-06-23 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: CA

Complaint narrative:
Im writing to address an account that appears on my credit report, which I have serious concerns about. At this point, I am formally requesting that you certifyclearly and completelythat every single piece of information tied to this account actually belongs to me. 

If you can not confidently and completely verify all of the above, then this account should not be on my credit reportperiod.

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 2025-06-23 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a XXXX off every month after XX/XX/XXXX. I never received a XXXXXXXX XXXX  from XXXX. I disputed it on XX/XX/XXXX and the results of the dispute stated Information on this item has been updated. Please review your report for the details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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 am tired of your blatant violations of my rights under federal law. This is my SECOND and FINAL written demand regarding the inaccurate, unverifiable, and ILLEGALLY reported account ( XXXX ) listed below : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately XXXXXXXX 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 2025-06-23 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: GA

Complaint narrative:
i recently pull my credit report some account do not belong to me also some account show i was late. I always pay my account on time. i would like to dispute those inaccurate items from credit report. 
that effect my livelihood, i'm unable to get approve for apartment and financial institution. i would like those items to be investigate to the full extent of the law and remove from my credit A.S.A.P Those are listed belowXXXX XXXX XXXX XXXX Account # XXXX balance : {$230.00} This account do not belong to me XXXX XXXX XXXX  Account # XXXX balance {$150.00} This account do not belong to me XXXX XXXX  Account # XXXX i never late from this account please remove all late payment showing on my report. 

XXXX XXXX XXXX account # XXXX i never late from this account please remove all late payment showing on my report. 

XXXX Account # i never late from this account please remove all late payment showing on my report. 


XXXX XXXX XXXX XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit. 

XXXX XXXX XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit. 

XXXX XXXX XXXX XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit. 

XXXX XXXX XXXX  XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit.

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 2025-06-23 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: GA

Complaint narrative:
i recently pull my credit report some account do not belong to me also some account show i was late. I always pay my account on time. i would like to dispute those inaccurate items from credit report. 
that effect my livelihood, i'm unable to get approve for apartment and financial institution. i would like those items to be investigate to the full extent of the law and remove from my credit A.S.A.P Those are listed belowXXXX XXXX XXXX XXXX Account # XXXX balance : {$230.00} This account do not belong to me XXXX XXXX XXXX  Account # XXXX balance {$150.00} This account do not belong to me XXXX XXXX  Account # XXXX i never late from this account please remove all late payment showing on my report. 

XXXX XXXX XXXX account # XXXX i never late from this account please remove all late payment showing on my report. 

XXXX Account # i never late from this account please remove all late payment showing on my report. 


XXXX XXXX XXXX XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit. 

XXXX XXXX XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit. 

XXXX XXXX XXXX XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit. 

XXXX XXXX XXXX  XX/XX/XXXX i never do busness with this company before, this inquiry need to be remove from my credit.

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 2025-06-23 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: WI

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 2025-06-23 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: WI

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I believe the account is invalid. COMMERCIAL ACCEPTANCE COMPANY needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. COMMERCIAL ACCEPTANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
The credit limit on my XXXX XXXX XXXX  is higher than shown by Experian, TransUnion and Equifax. The balance on my card is much lower than shown as well. Their information is not current. It is negatively impacting my credit score. My student loan shows paid on time but somehow has a 90 days late notice. My FICO score dropped XXXX points which seems excessive ( See attachments )

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 2025-06-23 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: CA

Complaint narrative:
The credit limit on my XXXX XXXX XXXX  is higher than shown by Experian, TransUnion and Equifax. The balance on my card is much lower than shown as well. Their information is not current. It is negatively impacting my credit score. My student loan shows paid on time but somehow has a 90 days late notice. My FICO score dropped XXXX points which seems excessive ( See attachments )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I am writing in response to Equifaxs claim that it verified a charge-off account from XXXX XXXX  XXXX which I disputed due to inaccurate and outdated reporting. I am requesting further investigation and deletion of this account based on the following : 1. Equifax Has Not Conducted a Reasonable Investigation Despite claiming to have investigated, Equifax failed to provide any documentation to validate the accuracy of this charge-off. No signed agreement, statements, or evidence of my responsibility for the balance were produced. Instead, I received a generic response that lacks specificity and appears to be a stall letter. This does not meet FCRA standards for a reasonable investigation.

2. Inconsistent Reporting Across Bureaus The same account has already been deleted from my TransUnion and Experian credit reports. If the account was verified and accurate, it should appear consistently across all three bureaus. This inconsistency suggests a failure by Equifax to properly validate the information with the furnisher, or indicates that the data source is no longer verifying the item and Equifax has not updated accordingly. 



XXXX. Outdated and Potentially Misleading Reporting According to my current Equifax report ( sourced from XXXX XXXX XXXX XXXX XXXX XXXX account : Shows last payment on XX/XX/XXXX, placing the XXXX fall-off in XX/XX/XXXX Is marked Charge-off as the worst payment status and current payment status Reports continuous derogatory marks well beyond the charge-off date Shows Consumer disputes this account even after the investigation was supposedly resolved Still inaccurately displays a balance and past-due amount despite the account being closed and charged off These issues create confusion for lenders and negatively impact my credit profile even though the account should be aging off. 



XXXX. Ongoing Harm During a Critical Financial Period I am in the process of purchasing a home, and this derogatory item despite being resolved on other reports is materially harming my credit score and ability to qualify for favorable terms. I have other XXXX accounts in good standing, and this isolated issue has been handled responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
To XXXX, I am writing to formally dispute and request immediate investigation and removal of the following account inaccurately listed in my credit report : Creditor Name : Credit Corp Solutions Original Creditor : XXXX XXXX  Account Number : XXXX Balance : {$670.00} Date Opened : XX/XX/2023 I am asserting that I have no knowledge of this account, and I have never opened, authorized, or agreed to any financial obligation with XXXX XXXX  XXXX Credit Corp Solutions. This account is being reported inaccurately and without my consent. 
PLEASE DELETE IMEDIATELY ALSO ERASE THE INQUIRIES : XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation