vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
Recently, I obtained a copy of my credit report and identified several inaccuracies related to the following account. This account is negatively impacting my ability to obtain credit. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and verify the accuracy of this information. If the information can not be verified, it must be removed or corrected immediately. 

Disputed Account Information Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$1500.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$0.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$860.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX * Account Balance : {$1500.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$520.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX  Account Balance : {$120.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$130.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$1100.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$1500.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$1100.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$17000.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$0.00} OPEN DATE : XX/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 2025-08-13 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:
Recently, I obtained a copy of my credit report and identified several inaccuracies related to the following account. This account is negatively impacting my ability to obtain credit. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and verify the accuracy of this information. If the information can not be verified, it must be removed or corrected immediately. 

Disputed Account Information Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$1500.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$0.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$860.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX * Account Balance : {$1500.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$520.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX  Account Balance : {$120.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$130.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$1100.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$1500.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Balance : {$1100.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$17000.00} OPEN DATE : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$0.00} OPEN DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
Bank errors in billing and reporting are negatively and unlawfully impacting my credit. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are required to accurately record and reflect all payments and credits. Several violations have occurred : Payments I made were not properly recorded. 

Reported balances contain clear calculation errors. 

I was not provided with the legally required 21-day notice before a payment due date, rendering any reported late payment invalid. 

These inaccuracies constitute a direct violation of federal law and have caused unjust harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$93.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
The accounts listed are not attributable to me and may reflect fraudulent activity. I respectfully request a detailed review and immediate removal from my credit history. Please find enclosed the necessary documentation.

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 2025-08-13 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:
On or about XX/XX/year>, I discovered that my Equifax credit report contained an account from XXXX XXXX  XXXX ( Account ending XXXX XXXX XXXX XXXX XXXXXXXX ) that does not belong to me. The account is reported as a revolving derogatory account with a balance of {$7500.00}, status collection/charge-off, and marked as closed by the credit grantor. I have never opened or authorized this account. 

This is a case of identity theft. I formally disputed the account with Equifax on XX/XX/year>, requesting a thorough investigation and verifiable proof of the accounts legitimacy. I provided notice that inaccurate reporting violates CDIA guidelines and that prompt corrective action is required. The presence of this account is damaging my credit and financial reputation, and its reporting is both factually and legally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-13 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: NJ

Complaint narrative:
I am writing to dispute a fraudulent account that appears on my credit file. The account is not mine, and I did not authorize its opening or use. The details are as follows : Creditor : XXXX Account Number ( last digits ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Balance : {$5800.00} Date Opened : XX/XX/scrub>XXXX  Status : Charged off, {$1500.00} past due Charge to credit card This is the direct result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information in my credit file is accurate, complete, and verifiable : FCRA 611 ( a ) ( 1 ) ( A ) : Upon notice of dispute, you must conduct a reasonable reinvestigation within 30 days and delete any information that can not be verified.

FCRA 623 ( a ) ( 1 ) ( A ) : A data furnisher may not report information it knows, or has reasonable cause to believe, is inaccurate.

FCRA 605 ( b ) : Accounts resulting from identity theft must be removed immediately once proven.

I am including the following documentation as proof : 1. FTC Identity Theft Report ( IdentityTheft.gov ) Required Action : 1. Remove the above account from my credit file in accordance with FCRA 605 & 611.

2. Provide written confirmation of deletion within 30 days.

3. Send me a copy of my updated credit report showing the change.

Failure to fully comply within the statutory time frame will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and consideration of legal action for willful noncompliance under FCRA 616 & 617, which allow for statutory damages, punitive damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
I am writing to dispute a fraudulent account that appears on my credit file. The account is not mine, and I did not authorize its opening or use. The details are as follows : Creditor : XXXX Account Number ( last digits ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Balance : {$5800.00} Date Opened : XX/XX/scrub>XXXX  Status : Charged off, {$1500.00} past due Charge to credit card This is the direct result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information in my credit file is accurate, complete, and verifiable : FCRA 611 ( a ) ( 1 ) ( A ) : Upon notice of dispute, you must conduct a reasonable reinvestigation within 30 days and delete any information that can not be verified.

FCRA 623 ( a ) ( 1 ) ( A ) : A data furnisher may not report information it knows, or has reasonable cause to believe, is inaccurate.

FCRA 605 ( b ) : Accounts resulting from identity theft must be removed immediately once proven.

I am including the following documentation as proof : 1. FTC Identity Theft Report ( IdentityTheft.gov ) Required Action : 1. Remove the above account from my credit file in accordance with FCRA 605 & 611.

2. Provide written confirmation of deletion within 30 days.

3. Send me a copy of my updated credit report showing the change.

Failure to fully comply within the statutory time frame will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and consideration of legal action for willful noncompliance under FCRA 616 & 617, which allow for statutory damages, punitive damages, and attorneys fees.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
Finding 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!

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 2025-08-13 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:
Finding 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!

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 2025-08-13 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : 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 2025-08-13 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : 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 non-monetary relief