vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies and discrepancies that have appeared on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I identified several issues that I am disputing, and I request a thorough investigation and correction of these errors. 
First, I have found that my name is inaccurately listed as XXXX XXXX XXXX, which is incorrect. This name does not reflect my true legal name, and I request that this incorrect name be removed or corrected to reflect my actual name. Additionally, I dispute several addresses listed on my credit file. The addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not associated with me, or are outdated. If these addresses can not be verified or substantiated, I request that they be removed from my credit report. 
Furthermore, there are collection accounts listed that I dispute. The accounts from XXXX XXXX ( original creditor XXXX XXXX, balance : {$1800.00} ) and XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX, balance : {$570.00} ) are being reported on my credit file. I am requesting that these accounts be fully verified, including proper documentation proving the debt and its ownership. If these accounts can not be validated, I respectfully request that they be removed from my credit report. 
Additionally, I dispute a reported repossession from XXXX XXXX ( balance : {$110000.00} ). I request that this repossession be investigated, and that XXXX XXXX provide full documentation verifying the repossession, including the reason for repossession and the remaining balance. If this information can not be substantiated, I request that this repossession be removed from my credit report. 
Lastly, I have noticed several unauthorized hard inquiries on my credit report, specifically from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I dispute the validity of these inquiries and request that they be verified to ensure they were authorized by me. If they can not be verified as authorized, I request that these inquiries be removed 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 explanation
Consumer complaint received 2025-09-23 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: NV

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies and discrepancies that have appeared on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I identified several issues that I am disputing, and I request a thorough investigation and correction of these errors. 
First, I have found that my name is inaccurately listed as XXXX XXXX XXXX, which is incorrect. This name does not reflect my true legal name, and I request that this incorrect name be removed or corrected to reflect my actual name. Additionally, I dispute several addresses listed on my credit file. The addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not associated with me, or are outdated. If these addresses can not be verified or substantiated, I request that they be removed from my credit report. 
Furthermore, there are collection accounts listed that I dispute. The accounts from XXXX XXXX ( original creditor XXXX XXXX, balance : {$1800.00} ) and XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX, balance : {$570.00} ) are being reported on my credit file. I am requesting that these accounts be fully verified, including proper documentation proving the debt and its ownership. If these accounts can not be validated, I respectfully request that they be removed from my credit report. 
Additionally, I dispute a reported repossession from XXXX XXXX ( balance : {$110000.00} ). I request that this repossession be investigated, and that XXXX XXXX provide full documentation verifying the repossession, including the reason for repossession and the remaining balance. If this information can not be substantiated, I request that this repossession be removed from my credit report. 
Lastly, I have noticed several unauthorized hard inquiries on my credit report, specifically from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I dispute the validity of these inquiries and request that they be verified to ensure they were authorized by me. If they can not be verified as authorized, I request that these inquiries be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no connection to these accounts ; remove them in 15 days per USC 1681g.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting a formally dispute inaccurate information currently being reported on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i, I am exercising my right to request an investigation into the following accounts, which are being incorrectly reported and negatively affecting my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} As required under FCRA 1681i ( a ) ( 1 ), the XXXX Credit Bureaus must conduct a timely and complete investigation of these accounts. If the data furnisher can not verify the accuracy of the reported late payments, these negative marks must be removed from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Subject : Identity Theft Fraudulent Accounts Reporting Under My Name I am the victim of identity theft, and fraudulent accounts have been opened in my name without my knowledge or consent. These accounts were created by another individual misusing my personal information. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA 605B ) and the Fair and Accurate Credit Transactions Act ( FACTA 609 ( e ) ), I am demanding the immediate blocking and removal of the following fraudulent accounts from 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 2025-09-23 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: TX

Complaint narrative:
This is a formal notice disputing the late payment reported on my credit file. The entry is incorrect and does not align with my documented history of consistent, on-time payments. Its continued reporting is misleading, harmful, and unjust.

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 2025-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-23 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: TX

Complaint narrative:
I am writing to request unauthorized credit inquiry on my EQUIFAX Credit Report. My latest credit report shows XXXX credit inquiry that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing fraudulent accounts that have appeared under my name on my credit report. These accounts are not mine, were never authorized by me, and their reporting is inaccurate and damaging. Their continued presence misrepresents my financial standing.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am submitting this dispute regarding accounts reported under my name that are fraudulent. I had no involvement in creating, authorizing, or managing these accounts. Their presence on my credit report is false, misleading, and damaging to my creditworthiness.

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 2025-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: UT

Complaint narrative:
I originally submitted a pslf buyback in XX/XX/year>. I called and verified I was doing the correct application with what they needed. I was then emailed and denied because I did not have their verbatim language in my application. This was never told to me that is was required. The representative I talked to at student aid said it wasnt required at the time but now it was and because they reviewed my application now they denied. Thats completely unfair to deny me because of a requirement that wasnt in place when I did the form. I then resubmitted XX/XX/year> with this language but have still heard nothing. I have called numerous times and submitted feedback on their website only to be told to continue to wait. I need 5 months of buy back and I have been waiting 9 months for this application. Something needs to be done. Their customer service gives wrong information. They always have a different answer depending on who you talk to. No one can actually help you with anything.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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:
I am writing to formally dispute fraudulent accounts that were opened in my name while I was a minor child. These accounts are the result of identity theft and were never authorized by me or my parent/guardian. Because they originated when I was legally incapable of entering into a binding contract, they are invalid and must be removed from my credit file immediately. 

I have filed reports with the FTC Identity Theft Division and the XXXX XXXX XXXX XXXX ( XXXX ). Copies of both reports are attached to this letter, as required by FCRA 605B. 

Fraudulent Accounts to be Deleted : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Diversified # XXXX Please note : These accounts do not appear on my XXXX  file at this time, but they remain on [ Experian and/or Equifax ]. I am requesting that you block and permanently delete them from my credit history as mandated by law. In spite of providing proofs previously, these bureaus continue to validate these accounts illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am submitting this letter as a formal written dispute regarding several accounts being reported on my Equifax, TransUnion and Experian credit report. These entries contain inaccuracies, inconsistencies across credit bureaus, unverifiable balances, and potential violations of the Fair Credit Reporting Act ( FCRA ). Some accounts reflect charge offs without proper IRS reporting, others show conflicting balances across bureaus, and at least XXXX repossession account lists inaccurate delinquency history. This type of reporting is misleading and damaging to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this letter as a formal written dispute regarding several accounts being reported on my Equifax, TransUnion and Experian credit report. These entries contain inaccuracies, inconsistencies across credit bureaus, unverifiable balances, and potential violations of the Fair Credit Reporting Act ( FCRA ). Some accounts reflect charge offs without proper IRS reporting, others show conflicting balances across bureaus, and at least XXXX repossession account lists inaccurate delinquency history. This type of reporting is misleading and damaging to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

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 explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute fraudulent accounts that were opened in my name while I was a minor child. These accounts are the result of identity theft and were never authorized by me or my parent/guardian. Because they originated when I was legally incapable of entering into a binding contract, they are invalid and must be removed from my credit file immediately. 

I have filed reports with the FTC Identity Theft Division and the XXXX XXXX XXXX XXXX ( XXXX ). Copies of both reports are attached to this letter, as required by FCRA 605B. 

Fraudulent Accounts to be Deleted : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Diversified # XXXX Please note : These accounts do not appear on my XXXX  file at this time, but they remain on [ Experian and/or Equifax ]. I am requesting that you block and permanently delete them from my credit history as mandated by law. In spite of providing proofs previously, these bureaus continue to validate these accounts illegally.

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 2025-09-23 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:
I disputed inaccurate information with Experian. The bureau changed/deleted the account but failed to provide me with a free updated credit report or written reinvestigation results, as required by Section XXXX ( a ) ( XXXX ) ( B ) of the FCRA. I am requesting that they immediately provide these documents as required by 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 2025-09-23 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: CA

Complaint narrative:
I am submitting to formally dispute the presence of inaccurate addresses that are listed on my credit report. These addresses are erroneous and should not be linked to my credit file. The addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at, received mail at, nor had any association with either of these locations. They do not represent any past residences or any locations where I have ever conducted business, and they are completely inaccurate entries on my credit report. 

To clarify, my correct and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Please ensure that this address is the only XXXX reflected on my credit report, as it is the accurate location where I currently reside. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 609 ( a ) ( 1 ), I have the right to access, review, and dispute any inaccurate information within my credit file. In addition, FCRA 611 ( a ) ( 1 ) ( A ) mandates that credit reporting agencies investigate and correct any disputed information that can not be verified, and it requires the correction or removal of inaccurate data within 30 days of receiving a formal dispute.

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