vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX Formal Identity Theft Dispute Under FCRA 605B Unauthorized Accounts and Privacy Violations To Whom It May Concern : This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B ( 15 U.S.C. 1681c-2 ), regarding fraudulent and unauthorized information being reported on my credit file. 



The information being reported by your agency includes accounts and/or inquiries that I did not authorize, initiate, or open. I never provided consent for these institutions to access, share, or report my personal information. 



Under federal law, including the FCRA, consumers have the right to block and remove any information resulting from identity theft or unauthorized activity. I am hereby requesting that the accounts listed below be blocked and permanently deleted from my credit profile. 



Enclosed is a copy of my official Identity Theft Report filed with the Federal Trade Commission ( FTC Report Number : [ XXXX ], along with proper identification to support my claim. 



Please be advised that the continued reporting of these accounts without my consent constitutes a violation of federal law, and I reserve the right to pursue further legal action if this matter is not resolved within the timeframe mandated by the FCRA ( within four business days upon receipt of this dispute ). 



The following accounts and/or inquiries are fraudulent and unauthorized : FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX. [ XXXX XXXX ] - [ account # XXXX ] [ open day XX/XX/XXXX ] XXXX. [ XXXX XXXX ] [ account # XXXX ] [ open day XX/XX/XXXX ] XXXX. [ XXXX XXXX XXXX ] [ account # XXXX ] [ open day XX/XX/XXXX ] ( IMMEDIATELY DELETE FRAUDULENT INQUIRIES ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Thank you for your immediate attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
More than 95 % of my payments are applied to interest. For example I have paid {$10000.00} in XXXX. {$620.00} was applied to the principal and {$9300.00} was applied to the principal. With such plan it will take me XXXX years to pay off the loan. Simply outrageous! And apparently a loan I took in XXXX is still at the original sum!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 the following accounts listed in my credit report. The information provided is inaccurate and incomplete. Below are the details of the accounts I believe to be erroneous : Charged Off Accounts XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Late Payments XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-14 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: NY

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-14 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: TX

Complaint narrative:
XXXX'Review the provided materials; the questions came without prior notice and could lack approval.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: DE

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-11-14 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:
Can you examine this entry? It appears late and potentially flawed.

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 2025-11-14 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: NY

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-14 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 writing to dispute certain information in my credit report with Experian that I believe to be inaccurate. Below are the details of the accounts in question : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$44000.00} Inquiries : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : 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 2025-11-14 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:
These accounts are not linked to me ; they must be removed within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several entries on my Equifax credit report. I believe that these accounts contain inaccurate information and are in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : Disputed Accounts : 1. XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Educational Installment Loan o Status : Delinquent 180 days past due o FCRA Violations : FCRA 623 : Failure to report accurate payment status FCRA 611 : Failure to investigate dispute properly Potential data breach concerns with unauthorized access to educational loan data o Request : Please verify the accuracy of this account and correct any errors. If unable to verify, remove the account from my report. 
2. XXXX XXXX XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Revolving Credit Card o Status : Charged off o FCRA Violations : FCRA 623 : Failure to report accurate account status FCRA 611 : Inadequate investigation of the dispute Potential data breach regarding account holders financial data o Request : Immediate correction or removal of this entry. 
FCRA Violations : 1. Failure to Verify Information ( FCRA 611 ) : The credit reporting agency has not adequately investigated disputes, resulting in inaccurate information remaining on my credit report.

2. Failure to Report Accurate Information ( FCRA 623 ) : These accounts have been reported inaccurately, violating FCRA guidelines.

3. Data Breach Concerns : Given the sensitive nature of the accounts in dispute, I am concerned that there may have been unauthorized access to my personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-14 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 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: OK

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation