vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Date : XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Business Credit XXXX for XXXX XXXX XXXX XXXX 
XXXX : XXXX Business Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Dear Equifax XXXX XXXX Department, I am writing to formally dispute inaccurate information currently appearing on the Equifax XXXX Credit Report for XXXX XXXX XXXX. 

The report shows a delinquent account with a past-due balance of {$160000.00} and a corresponding closed account balance in the same amount. This information is inaccurate and unrelated to XXXX XXXX XXXX. 

XXXX XXXX XXXX has never held, guaranteed, or defaulted on any financial obligation of this nature. Based on the details, I believe this account XXXX have been misreported or mistakenly associated with my business due to identity confusion involving another entity XXXX XXXX XXXX XXXX XXXX ) and my father, XXXX XXXX XXXX who is currently the subject of an active identity theft dispute with the Illinois Department XXXX XXXX. 

I am requesting that Equifax immediately investigate this matter and remove or correct any inaccurate, incomplete, or unverifiable information related to this account from my business credit profile. 

Please provide written confirmation of the investigation results, as well as an updated copy of my Equifax XXXX Report once the corrections have been made. 



Supporting Documentation Attached : XXXX. Government-issued ID ( proof of personal identity ) XXXX. Articles of Incorporation for XXXX XXXX XXXX. 
XXXX. IRS XXXX confirmation letter ( XXXX ) XXXX. Illinois Department XXXX XXXX XXXX confirming disputed tax/identity matter ( if available ) XXXX. XXXX of Equifax XXXX XXXX showing the {$160000.00} delinquency Certification I certify under penalty of perjury that the information contained in this dispute is true and accurate to the best of my knowledge and belief. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation once the investigation is completed. 

Sincerely, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. 
( Signature )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Managment XX/XX/year> {$420.00} This is a collection for XXXX equipment that was turned in to a store location in XXXX, NC. I was advised that the balance would be removed. however, now its showing as a collection on my report. 
The FDCPA requires collectors to provide you with written notice of the debt and give you the opportunity to dispute its validity within 30 days of the initial communication. i was not granted this opportunity before this was place as a collection.

However, there is no debt owed. the bill was paid and the equipment was returned as requested by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am filing this complaint because XXXX is reporting an account as Collection/Charge-off, which I believe is inaccurate and not properly verified under the Fair Credit Reporting Act ( FCRA ).

Around XX/XX/year>, I noticed this negative account appearing on my credit reports. I contacted XXXX to request verification and supporting documentation for this alleged debt. However, the company failed to provide any valid proof or contract showing that the information being furnished is accurate.

Despite my attempts to resolve this directly, they only responded that the account was verified without providing evidence or performing a reasonable investigation as required by law. This inaccurate reporting has caused damage to my credit score and has negatively affected my access to credit opportunities.

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 2025-11-06 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: GA

Complaint narrative:
F

inding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! INQUIRIES : 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 explanation
Consumer complaint received 2025-11-06 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: FL

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 2025-11-06 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: EQUIFAX, INC.
State: ME

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX XXXX only to request general information about mortgage options and preapproval requirements. 

I started filling out an online form, but the system did not accept my submission. I informed the representative that I was no longer interested and did not wish to proceed with any loan application. 

Despite this, the company performed a hard credit inquiry without my valid authorization. 

In addition, the inquiry appeared under a different business name ( XXXX XXXX XXXX XXXX, which caused confusion and negatively affected my credit score. 

The company later claimed that the inquiry occurred because I checked a box on the online form. However, the Fair Credit Reporting Act ( FCRA ) requires explicit, informed, and current consent to access a consumers credit report. Since I never completed or submitted a formal loan application, that checkbox does not constitute valid authorization under the law. 

It should also be noted that these inquiries show inconsistencies in the reported name, which violates Section 604 ( 15 U.S.C. 1681b ) of the FCRA. This law establishes that any inaccurate, ambiguous, or unverifiable information must be removed from the credit report. 

I contacted the company directly to request the removal of the inquiry, but they refused. 

This action violates the FCRA by accessing my credit report without a permissible purpose and without valid authorization. 

I am filing this complaint so that the Consumer Financial Protection Bureau ( CFPB ) can investigate and request the permanent removal of this unauthorized inquiry from all credit bureaus. 

I have screenshots and documentation supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

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 2025-11-07 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: GA

Complaint narrative:
I am submitting this complaint follow up to formally request the correction and verification of my personal information as currently reported on my credit file. Upon reviewing my records, I discovered that certain personal details including my name, date of birth, current address, and employer are being reported inaccurately. These errors have created confusion and misrepresentation in my credit profile, which may negatively impact my creditworthiness and future financial opportunities. 

Specifically, the following previous addresses should be removed from my credit file, as they no longer align with my current residence and are outdated : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Wildflower Way, XXXX, UT XXXX XXXX addition, my name and employer information must be corrected to reflect my current legal name and place of employment. The names currently being reported XXXX XXXX and XXXX XXXX are inconsistent and must be updated to reflect my correct and verifiable identity. 

This outdated address should be removed, as it no longer aligns with my current residence. In addition, my name and employer information must be corrected to accurately reflect my legal name and current place of employment. 

These inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as credit reporting agencies are required to maintain only accurate and verifiable information. Specifically, these errors violate : FCRA 605B The right to block reporting of any information that is inaccurate or can not be verified.

FCRA 607 ( b ) The obligation of credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) The right to dispute and request reinvestigation of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am submitting this complaint follow up to formally request the correction and verification of my personal information as currently reported on my credit file. Upon reviewing my records, I discovered that certain personal details including my name, date of birth, current address, and employer are being reported inaccurately. These errors have created confusion and misrepresentation in my credit profile, which may negatively impact my creditworthiness and future financial opportunities. 

Specifically, the following previous addresses should be removed from my credit file, as they no longer align with my current residence and are outdated : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Wildflower Way, XXXX, UT XXXX XXXX addition, my name and employer information must be corrected to reflect my current legal name and place of employment. The names currently being reported XXXX XXXX and XXXX XXXX are inconsistent and must be updated to reflect my correct and verifiable identity. 

This outdated address should be removed, as it no longer aligns with my current residence. In addition, my name and employer information must be corrected to accurately reflect my legal name and current place of employment. 

These inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as credit reporting agencies are required to maintain only accurate and verifiable information. Specifically, these errors violate : FCRA 605B The right to block reporting of any information that is inaccurate or can not be verified.

FCRA 607 ( b ) The obligation of credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) The right to dispute and request reinvestigation of inaccurate information.

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 2025-11-06 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 filing this dispute against Equifax Information Services LLC for inaccurate and unfair information reported on my credit file, specifically regarding the incorrect reporting of late payments on my Secured loan ( Account Number : XXXX ). 
Below, I outline the reasons for my dispute and the laws I believe have been violated : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : The incorrect reporting of late payments violates my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( correction of inaccurate information ) and 15 U.S. Code 1681s-2 ( responsibilities of information furnishers ), credit reporting agencies and information furnishers must ensure maximum accuracy in credit reports and promptly correct any errors. Despite prior requests to correct this data, the credit bureau has not conducted a thorough investigation and has relied on automated processes instead of a manual review, as required by the Cushman v. Trans Union Corp. case. Furthermore, FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) impose specific penalties for willful and negligent noncompliance.

2. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( TILA ),
specifically 15 U.S. Code 1637 ( b ) and 12 CFR 1026.5, creditors are required to send periodic billing statements with necessary information at least 21 days before the payment due date. In my case, I did not receive the statements as legally required, resulting in late payments inaccurately appearing on my credit report, failing to reflect my actual payment history.

3. Violation of the Protection Against Non-Payment of Obligations Act ( PAANL ) : I invoke the Protection Against Non-Payment of Obligations Act ( PAANL ), which mandates that creditors accurately report contractual payment obligations and avoid generating late payment reports due to administrative or communication errors by the creditor. Misreporting late payments constitutes a violation of PAANL, unfairly impacting my credit history.

4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The inaccurate information reported may also constitute an unfair or deceptive practice under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) guidelines as established in the Dodd-Frank Act, regulated by the Consumer Financial Protection Bureau ( CFPB ). Additionally, FCRA Regulation V ( 12 CFR Part 1022 ) requires information furnishers to maintain reasonable procedures to ensure the accuracy of the data they report.

Personal Impact : The persistence of this incorrect information has directly affected my financial stability, limiting my ability to access credit under fair terms, increasing interest rates on my accounts, and damaging my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MI

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 id-entity 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 1681b, 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 15 U.S.C. 1681i ( 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.

15 U.S. Code 1681b 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.

15 U.S. Code $ 1681c-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.

15 U.S. Code 1681 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 explanation
Consumer complaint received 2025-11-06 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 entry inaccurately depicts my financial conduct and appears to be a mistake. Please make the necessary corrections to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
Hello Experian, Your company failed to respond to my initial dispute letter as of today. I sent my request disputing the inaccurate and incomplete information. Now according to 15 U.S. Code 1681b the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXXXXXX Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates to. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATE!! 

XXXX XXXX XXXX Document Continues XXXX XXXX XXXX  Unauthorized Accounts : XXXX  XXXX Account XXXX Balance : {$610.00} XXXX XXXX XXXX Account Number : XXXX XXXX : {$750.00} XXXX XXXX  Account Number : XXXX Balance : {$5800.00} XXXX  XXXX Account Number : XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$990.00} Unauthorized Inquiries : Account Name : XXXX XXXX  A Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX Inquiry date : XX/XX/XXXX Account XXXX : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account Name XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account XXXX XXXX XXXX  XXXX  XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX  Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Inquiry date : XX/XX/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