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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: FL

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.

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 XXXX 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 2025-11-11 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: AZ

Complaint narrative:
I request for these items to be removed from my credit report immediately!

The debt collectors have not provided me proper debt validation and proof of verification for these alleged debts. Please delete these from my credit report immediately.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute certain inaccurate information on my credit reports with the major credit bureaus. Below is a breakdown of the accounts in dispute and my request for action. 
Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1500.00} Late Payment Accounts : XXXX Account Number : XXXX Kikoff Account Number : XXXX XXXX  XXXX Account Number : XXXX

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

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 non-monetary relief
Consumer complaint received 2025-11-11 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: WI

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> Subject : Identity Theft Block Request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), This formal complaint is submitted to request, under the Fair Credit Reporting Act ( FCRA 605B 15 U.S.C. 1681c-2 ), that you block information on my consumer credit report that resulted from identity theft and fraud within XXXX ( XXXX ) business days of receiving this notice. 

The following information appearing on my Experian credit file is fraudulent, inaccurate, and unauthorized : XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$620.00} GET IT NOW XXXX XXXX Balance {$1700.00} I do not recognize or owe these accounts, collections, or any associated hard inquiries. They are the result of identity theft. 
Attached are supporting documents that verify my identity and identify the disputed items. Please complete your investigation and confirm the blocking and removal of all fraudulent data within the time frame provided by law. 
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 2025-11-11 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:
Please verify this entry ; it XXXX be late and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Dispute of False Eviction Reporting To Whom It May Concern, I am filing this complaint to dispute an eviction collection falsely reported under my name by Credit Systems. During the reported eviction period, I resided at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, as verified by the attached lease agreement. This eviction does not belong to me, and I request that the collection agency and consumer reporting ( XXXX and XXXX XXXX agencies ) immediately remove it from my credit report. 

XXXX XXXX XX/XX/year> Last XXXX : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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

Complaint narrative:
This is now my third time disputing these same accounts. 
In my previous dispute, I formally requested a re-investigation and the names of everyone they contacted, and I still havent received a response. 

I requested the following : - My full file disclosure - Employee names you spoke with - The dispute audit trail Under 15 U.S. Code 1681i ( a ), if an account can not be verified, it must be corrected or deleted. That has not happened. These accounts are still reporting inaccurately, and no real investigation seems to have taken place. 
This continued negligence is not only harming my credit but also causing emotional and financial stress. The credit bureaus and furnishers are clearly failing to follow proper FCRA procedures. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Please see the attached letter for full documentation and timeline.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these collection accounts, and if they can not be confirmed as accurate, I ask that they be removed from my report.

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

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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

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! 


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 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 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 2025-11-11 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: NC

Complaint narrative:
I am a victim of a data breach with XX/XX/XXXXand have unknown accounts on the bureaus XX/XX/XXXXXXXX XXXX, and Experian, that I am not familiar with, including, but not limited to XXXX XXXX, XXXX XXXX XXXX. I have submitted a FTC report and have filed complaints with the bureaus. I am asking that these are remove expeditiously as it has taken a toll on my report that I have these accounts that I dont even know what they are on there please complete a investigation and have these removed. 

I am responding to the companys statement regarding the XXXX accounts that are appearing on my Experian credit report. 

I maintain that these accounts were not opened by me and are the result of identity theft. I did not authorize, apply for, use, or benefit from any of the loans listed in XXXX response. The fact that payments were made does not prove I was the person who opened or was responsible for these accounts. Identity thieves often make initial payments to avoid detection before abandoning the accounts. 

XX/XX/XXXX has not provided any verification that I opened these accounts, such as : IP address logs matching my devices Device ID or device fingerprinting Delivery address or shipping address verification Verified billing address matching my own Phone number or email account used to create the account Confirmed identity verification steps ( drivers license upload, SMS verification logs, etc. ) Merchant purchase receipts showing my information Under the FCRA ( Fair Credit Reporting Act ) and XXXX Identity Theft Prevention provisions, I am requesting that XX/XX/XXXXprovide documented proof that I personally opened these accounts. Without valid identity verification records, XXXX can not legally continue to report these accounts or negative payment history. 

I have already stated these accounts are fraudulent, and I am willing to complete the requested affidavit onceXX/XX/XXXX provides the evidence it claims shows I opened the accounts, so that I can review and respond accordingly. 

At this time, I am demanding the following : XXXX. Cease reporting these accounts to all credit bureaus until identity verification is completed. 
XXXX. Provide all documentation XXXX is relying on to claim that I am responsible for these accounts. 
XXXX. If XXXX can not produce identity verification records, then the accounts must be deleted from my credit reports entirely under FCRA XXXX ( XXXX ) and XXXX. 

This is a formal continued dispute. 
I request that the CFPB keep this complaint open while XXXX provides the required substantiating documentation. 

Thank you.

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 2025-11-11 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: FL

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Please confirm receipt of this dispute and provide me with a written response detailing the results of your investigation.

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 2025-11-11 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: IL

Complaint narrative:
I am writing to formally dispute certain inaccurate information on my credit reports with the major credit bureaus. Below is a breakdown of the accounts in dispute and my request for action. 
Charged-Off Accounts : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$220.00} Late Payment Accounts : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Libertad Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I am requesting verification of these late payment records, and if they can not be substantiated, I ask that they be promptly corrected or deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
First and foremost, I never gave Experian written permission to furnish my information which violates 15 USC XXXX which states that a consumer reporting agency can not furnish an account without my written instruction. Furthermore, after disputing the account multiple times, Experian continues to report inaccurate, unverifiable and misleading information regarding an XXXX XXXX account identified as XXXX. Their failure to properly investigate this account violates 15 USC XXXX section XXXX which mandates that credit reporting agencies act quickly and thoroughly to investigate consumer disputes, communicate with furnishers, and correct or remove inaccurate information to ensure credit reports are accurate and fair. XXXX responded to my dispute stating that they must report accurate information. Yet, This account currently shows a XX/XX/XXXX day late payment for XXXX consecutive months which is impossible! The presence of contradictory information between major consumer reporting agencies confirms that the account information you have on file is unreliable and inaccurate. Hence, a violation of 15 USC XXXX which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum accuracy of information. This misinformation continues to severely impact my credit rating and overall credit worthiness. You must immediately correct or delete this inaccurate account. Experian is also in violation of 15 USC XXXX which states that the furnisher is required to provide accurate information and correct or update information when notified of disputes by consumers or credit reporting agencies. To further prove XXXX XXXX inaccurate reporting, today is XX/XX/year>2025, according to the XXXX XXXX contract, the payment is not due until the last day of each month. The last day of this month will be XX/XX/scrub>, 2025. However, Experian has reported XX/XX/scrub> 2025 as late since XX/XX/scrub>, 2025! This is absolutely unlawful and I would like this rectified immediately or I will be taking legal action for monetary compensation.

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 2025-11-11 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: IN

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

Company response to consumer: Closed with non-monetary relief