vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I've recently reviewed my credit report and notice fraudulent accounts i did not authorize nor recognize these account on my report. please remove these accounts from my report, Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b"I MAILED OVER AND UPLOADED A BUNCH XXXX DOCUMENTS TO TRANSUNION BUT THEY SEEMED NOT TO CARE ABOUT THE DOCUMANTATION THAT I AM SENDING TO THEM REGARDING THIS FRAUD, MY OTHER CREDIT BUREAUS HAVE REMOVED THIS FRAUD FROM MY NAME FEW MONTH AGO BUT TRANSUNION SEEMS LIKE DOESN'T CARE ABOUT ME, EVEN I ASKED PAPERWORK FROM THE BANK THT THEY HAVE REMOVED THIS FRAUD FROM MY NAME BUT STILL NO RESLUT THEY KEEP GIVING ME STUPID UNSERS EVER TIME I CALL THEM TO SEE WHATS GOING ON.\nTHIS IS THE ACCOUNT INFORMATION THATS FRAUDXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally notify you of the deletion of the XXXXXXXX XXXX XXXX account ending in XXXX, which had a charge-off balance of {$4900.00}, from my XXXX credit report following a dispute I filed. The removal was completed on XX/XX/year>, after your investigation affirmed that the information was unverifiable. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, if an account is deemed unverifiable and is removed from one credit reporting agency, it should similarly be deleted from all consumer reporting agencies, including yours. As the XXXX report no longer lists this account, I urge you to follow suit and eliminate the unverifiable charge-off from my credit report within the next 30 days.

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 2025-08-06 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: NC

Complaint narrative:
I am writing to formally notify you of the deletion of the XXXXXXXX XXXX XXXX account ending in XXXX, which had a charge-off balance of {$4900.00}, from my XXXX credit report following a dispute I filed. The removal was completed on XX/XX/year>, after your investigation affirmed that the information was unverifiable. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, if an account is deemed unverifiable and is removed from one credit reporting agency, it should similarly be deleted from all consumer reporting agencies, including yours. As the XXXX report no longer lists this account, I urge you to follow suit and eliminate the unverifiable charge-off from my credit report within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Subject : Illegal Reporting of Sold Charge-Off, FCRA 609, 611, 623 Violations Comenity/Bread Cashback Account Complaint Against : Equifax To Whom It May Concern, This is a formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ), including Sections 609 ( a ) ( 1 ), 611 ( a ) ( 7 ), and 623 ( a ) ( 1 ) ( A ). Equifax is reporting an inaccurate and unverifiable charge-off account that was sold to a third party, who in turn has disclaimed all ownership or collection rights. 

ACCOUNT DETAILS Creditor : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Equifax Tradeline : Reporting as a charge-off with {$0.00} balance, " sold to another lender '' Charge-Off Date : XX/XX/XXXX Date Account Opened ( per XXXX  ) : XX/XX/XXXX Account Sold To : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 's XXXX : Account is closed, I owe no obligation, and they are not collecting XXXX  : Deleted the account after receiving the same documentation ( see attached ) Equifax-Specific Violations Continued Reporting After Sale XXXX XXXX XXXX has confirmed they sold the debt to XXXX on XX/XX/XXXX XXXX 

XXXX has confirmed in writing that they are not collecting, the account is closed, and I have no obligation. 

Therefore, no party has standing to verify or report the debt.

This makes Equifaxs continued reporting of this account a violation of FCRA 623 ( a ) ( 1 ) ( A ) : reporting inaccurate or incomplete information.

Failure to Provide Method of Verification I requested detailed verification under FCRA 611 ( a ) ( 7 ) and 609 ( a ) ( 1 ), including : Who verified the account When it was verified How it was verified What documents were reviewed Equifax responded with a generic boilerplate letter stating only that the creditor verified the information. No real verification occurred, violating 611 ( a ) ( 7 ).

Illegal Payment History Reporting The Equifax report shows monthly payment history, even though : The account was sold The balance is {$0.00} There is no creditor or collector reporting it Reporting payment history on a sold, closed charge-off is misleading and constitutes re-aging and a misrepresentation of the accounts status violating FCRA 623 ( a ) ( 1 ).

XXXX  Deleted the Account I submitted the same documentation to Experian, and they deleted the account, acknowledging the legal flaws in its continued reporting. 

[ I am attaching a copy of XXXX deletion notice. ] Legal Demands I am requesting the following relief : Immediate deletion of this account from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I am filing this complaint because the credit bureaus have not properly investigated the disputes I submitted about incorrect and damaging information on my credit report. These inaccuracies have lowered my credit score and made it difficult for me to access credit, leading to unnecessary stress and financial challenges.

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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because the credit bureaus have not properly investigated the disputes I submitted about incorrect and damaging information on my credit report. These inaccuracies have lowered my credit score and made it difficult for me to access credit, leading to unnecessary stress and financial challenges.

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 2025-08-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting the immediate deletion of the following unauthorized and fraudulent inquiries that resulted from identity theft : XXXX XXXX Bank NA Inquiry Date : XX/XX/XXXX Capital XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Auto Finance Inquiry Date : XX/XX/XXXX I did not authorize or initiate these inquiries. I am the direct consumer and have submitted all required documentation, including : My FTC Identity Theft Report A copy of my government-issued ID Proof of address Social Security card These inquiries are in direct violation of : 15 USC 1681b ( c ) No permissible purpose for unauthorized inquiries 15 USC 1681c2 Requires the bureau to block fraudulent information within XXXX business days 18 USC 1028A Aggravated Identity Theft , which your inaction continues to enable I am requesting : The permanent deletion of all three inquiries listed above Immediate removal of any accounts tied to this fraudulent activity A written confirmation of all deletions An updated copy of my credit report reflecting the removals If you fail to comply, I will escalate this matter to : The Federal Trade Commission XXXX FTC ) The Consumer Financial Protection Bureau XXXX CFPB ) The Better Business Bureau XXXX BBB ) State Attorney General Offices ( both in my state and yours ) I will also pursue legal remedies under FCRA Sections 616 and 617 for damages due to your continued noncompliance.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I recently discovered that a Target account was sent to collections. I never received any written notice or communication about this debt before it appeared in collections. Because of this, I do not know the amount owed, the collection agency handling the account, or where/how to make payments.

I have made no payments and was not given any opportunity to resolve or dispute the debt. I am requesting validation of this debt, including documentation showing I owe this amount, the original creditor information, and proof of any agreement or signature.

I want the collection agency to provide all legally required information before I take any further action. I am also concerned that this account may be inaccurately reported on my credit report without proper validation.

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the * * collection account * * listed on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ), which was verified during my previous dispute but without any proof of the debt. I previously disputed this account and was informed that it was verified, yet I did not receive any documentation proving the legitimacy of this debt or the details of the original account with XXXX XXXX XXXX XXXX XXXX 

Details of the Issue : 1. No Proof of Debt : The collection account is still listed on my credit report as verified, yet no * * documentation or proof * * has been provided to substantiate the debt. I am requesting that the credit bureaus immediately * * remove this account * * unless the debt collector can provide verifiable evidence.

2. Request for Validation : I am requesting validation of the debt under the * * Fair Debt Collection Practices Act ( FDCPA ) * *. Specifically, I am requesting : * Proof that I am responsible for the debt.

* Documentation of the original contract or agreement with XXXX XXXX XXXX XXXX XXXX XXXX 
* Any correspondence or details from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that link me to the debt. 
If XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not provide this proof, I request that this account be * * removed from my credit report * * immediately. 

3. Failure to Provide Proof : As per the Fair Credit Reporting Act ( FCRA ) if a debt is disputed and verified without providing adequate proof, it should not remain on my credit report. Since no documentation was provided to verify the debt, I am requesting that the credit bureaus investigate this matter thoroughly and remove the collection account.

Legal Rights Under FCRA and FDCPA Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Immediate removal of this account from my credit report unless proper documentation is provided to validate this debt. 
Proof of the debt including the original creditor information, account details, and proof of my responsibility for the debt. 

I request that this matter be resolved within 30 days and that I receive written confirmation of the actions taken. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-06 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: IN

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me. 

In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), please XXXX  and delete the unauthorized information. 

Enclosed are : A list of the disputed items My FTC Identity Theft Report A copy of my government-issued ID and proof of address I request confirmation once the corrections have been made. Thank you for your prompt attention to this matter.

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 2025-08-06 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX CARD - XXXX XXXX CARD -XX/XX/XXXX XXXX CARD - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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:
I am filing this complaint against Equifax for its continued reporting of a XXXX  XXXX XXXX XXXXXXXX  on my credit file, despite the fact that I have never filed for bankruptcy at any point in my life. This is a serious factual error and constitutes a violation of several sections of the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 

I previously submitted a formal dispute to Equifax regarding this false information. However, they failed to carry out a proper and lawful reinvestigation. Equifax did not contact the originating source of the bankruptcy claim nor did they provide any documentation substantiating the accuracy of this entry. Their failure to take reasonable steps clearly violates the FCRAs reinvestigation requirements. 

It appears that Equifax relies heavily on automated dispute systems like e-OSCAR rather than conducting a true, manual review of the disputed entry or the original records. Such automated processing does not satisfy the FCRAs requirement for a reasonable reinvestigation. 

Moreover, under FCRA 607 ( b ), Equifax has a legal responsibility to ensure that the information they report is held to the standard of maximum possible accuracy. Continuing to report a bankruptcy that never occurredwithout verification or supporting documentationis a direct breach of that obligation. This false reporting has negatively impacted my credit reputation, caused me emotional stress, and restricted my access to financial resources. 

Additionally, I am aware that in XX/XX/year>, the CFPB imposed a {$15.00} XXXX penalty on Equifax for failing to properly investigate consumer disputes and for breaching FCRA requirements. My case reflects the same pattern of negligence and suggests that these harmful practices are still ongoing. 

I respectfully request the CFPB to take action by : Requiring Equifax to immediately delete the false bankruptcy record from my credit report ; Compelling Equifax to disclose their reinvestigation procedures used in my case ; Ensuring they are held fully accountable for violating federal law and my rights under the FCRA.

Should these violations remain unresolved, I am prepared to pursue further remedies under FCRA 1681n and 1681o, including claims for damages and attorneys fees.

I have included my formal dispute letter dated XX/XX/year>, which outlines the full scope of my concerns and demands. I respectfully urge the CFPB to investigate this matter and enforce compliance.

Company response to consumer: Closed with explanation