vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Personal Information Under 15 U.S. Code  1681e(bXXXXTo Whom It May ConcernXXXX am writing to formally dispute multiple inaccurate items appearing on my Equifax credit report, as provided to me on [insert date you obtained report]. Specifically, I am disputing incorrect or outdated names, addresses, and phone numbers that do not accurately reflect my true identifying information.XXXXDisputed Information:XXXXNames: XXXX XXXX XXXX XXXX XXXX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 XXXXThis inaccurate personal information does not belong to me and is affecting the integrity of my credit file. Under 15 U.S. Code  1681e(b) of the Fair Credit Reporting Act, Equifax is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports. The inclusion of these errors shows a failure in maintaining that standard.\r\n\r\nFurthermore, I want to bring to your attention that my personal data was compromised in the widely publicized Equifax data breach of 2017. This breach has increased the risk of inaccuracies and potential identity theft on my credit profile, and thus I expect heightened diligence on your part in correcting these inaccuracies.\r\n\r\nI am requesting that Equifax:XXXX. Immediately delete or correct the erroneous names, addresses, and phone numbersXXXX Provide me with a corrected copy of my credit report once the investigation is completedXXXX. Inform me in writing of the results of your investigation within the legally required time-frame (30 days from receipt of this letter).XXXXFailure to properly investigate and correct these inaccuracies in a timely manner will leave me with no choice but to pursue all available legal remedies, including litigation for damages and reporting this matter to the Consumer Financial Protection Bureau (CFPB)XXXXPlease consider this a formal notice, and govern yourselves accordinglyXXXXAttached are copies of my government-issued ID and a utility bill to verify my identity and current address.XXXXSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Personal Information Under 15 U.S. Code  1681e(bXXXXTo Whom It May ConcernXXXX am writing to formally dispute multiple inaccurate items appearing on my Equifax credit report, as provided to me on [insert date you obtained report]. Specifically, I am disputing incorrect or outdated names, addresses, and phone numbers that do not accurately reflect my true identifying information.XXXXDisputed Information:XXXXNames: 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 XXXXThis inaccurate personal information does not belong to me and is affecting the integrity of my credit file. Under 15 U.S. Code  1681e(b) of the Fair Credit Reporting Act, Equifax is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports. The inclusion of these errors shows a failure in maintaining that standard.\r\n\r\nFurthermore, I want to bring to your attention that my personal data was compromised in the widely publicized Equifax data breach of 2017. This breach has increased the risk of inaccuracies and potential identity theft on my credit profile, and thus I expect heightened diligence on your part in correcting these inaccuracies.\r\n\r\nI am requesting that Equifax:XXXX. Immediately delete or correct the erroneous names, addresses, and phone numbersXXXX Provide me with a corrected copy of my credit report once the investigation is completedXXXX. Inform me in writing of the results of your investigation within the legally required time-frame (30 days from receipt of this letter).XXXXFailure to properly investigate and correct these inaccuracies in a timely manner will leave me with no choice but to pursue all available legal remedies, including litigation for damages and reporting this matter to the Consumer Financial Protection Bureau (CFPB)XXXXPlease consider this a formal notice, and govern yourselves accordinglyXXXXAttached are copies of my government-issued ID and a utility bill to verify my identity and current address.XXXXSincerelyXXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report generated by your agency. Equifax was recently involved in a lawsuit due to a data breach that resulted in the exposure of my personal information. I filed a claim as part of the Equifax Data Breach Settlement and have since received a settlement payment from XXXX. I have recently reviewed my credit report and have identified several items that I believe are inaccurate, incorrect, incomplete and compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
Re : Possible Finance This letter is sent in response to a phone call I received on XXXX. I am requesting that you provide verification of this debt. 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt include a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the stati limitations and how that was determined. 
Please also cease and desist phone calls to my number, please only communicate with me in writing. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX This letter is sent in response to a phone call I received on XXXX. I am requesting that you provide verification of this debt. 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed.

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt include a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the stati limitations and how that was determined. 
Please also cease and desist phone calls to my number, please only communicate with me in writing. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-01 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: MS

Complaint narrative:
I am filing this complaint against XXXX, a financial services provider, regarding inaccurate and unfair credit reporting. XXXX has been reporting a negative payment history on my credit report for an unresolved balance of {$7.00}. However, the company suspended my account, which has prevented me from accessing the account or making any payments to resolve the balance. I have made multiple attempts to contact XXXX and fix the issue, but have been unsuccessful in getting assistance or access to pay the outstanding amount. Despite the account being locked and inaccessible to me, they continue to report the {$7.00} balance as delinquent. This has negatively impacted my credit report and score. I believe this is an unfair and possibly unlawful practice under the Fair Credit Reporting Act ( FCRA ), as I am being penalized for a balance I have no ability to resolve due to their actions. I am requesting that : XXXX immediately cease reporting this negative account activity, The {$7.00} negative balance be removed from my credit reports with all bureaus, and This issue be investigated and corrected without further delay. I am providing all supporting documentation, including communication history and screenshots, as evidence of my attempts to resolve this issue.

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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Account was paid in full and never late and is showing as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I am writing to formally dispute the following derogatory accounts being reported to the credit bureaus ( Experian, Equifax, and TransUnion ). These accounts are inaccurate and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Requires reasonable reinvestigation of disputed items. 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy of credit reporting. 15 U.S.C. 1681c Governs the reporting of outdated or unverifiable information. FCRA Section 605B Entitles identity theft victims to block fraudulent items. I am disputing the following accounts : XXXX. XXXX, XXXX {$64.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX {$350.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$390.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$570.00} Opened XX/XX/XXXX These debts are either : Not mine, Result from identity theft ( as my personal data was exposed in multiple data breaches ), or Have been sold or transferred without proper documentation or contract validation. I have filed an FTC Identity Theft Report, which documents my identity being compromised. Under Section 609 ( a ) ( 1 ) of the FCRA, I am requesting full validation of each of these accounts, including original signed contracts, billing history, and proof of ownership. If such evidence can not be provided, these items must be removed immediately under Section 611 ( a ) ( 5 ). These companies have likely acquired this information through unlawful or unverifiable means, and continued reporting constitutes a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I've also contacted the bureaus for names, addresses and numbers that were inaccurate on my report. Please delete the items as soon as possible. 

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 2025-06-01 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I've also contacted the bureaus for names, addresses and numbers that were inaccurate on my report. Please delete the items as soon as possible. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$980.00}

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 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
The company provides discounts to sign up for paperless statements but when I did sign up, I missed my bill so I called to pay my bill Info that was back in XXXX and today when I try to use my card, it was declined because apparently, since then I keep getting charge fees and interest since when I called to pay in full, they didnt include the fees and interest. When I tried to pay over what I owed the little {$8.00} fee and interest I said Im just gon na be charged more since I didnt know I was being charged and they wouldnt let me pay more so Ive XXXX now sent an additional XXXX dollars to the company hoping that that will then stop the additional fees. This is with the XXXX XXXX synchrony credit card rewards. I never was able to use any rewards or given any awards that I know of. I just want the fees and interest to stop when I went today to buy something. I couldnt even use their credit card. I had to use my other credit card. When I tried to switch to paper statements since it is difficult to get the paperless ones, they said I will be charged a fee so I just have them cancel the card and hopefully my additional check to them will stop any additional 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 explanation
Consumer complaint received 2025-06-01 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: NC

Complaint narrative:
The company agreed that this was in fact fraud and this account is still showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX Original Creditor : 12 XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX Original Creditor : 12 XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXX/XX/year>

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 2025-06-02 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: NY

Complaint narrative:
Equifax is reporting multiple inaccurate and unverifiable accounts on my credit report. I mailed a formal dispute package on XX/XX/year>, which included a notarized affidavit, a list of disputed accounts, proof of address, government-issued ID, and confirmation that my personal information was exposed in the Equifax data breach. 

Despite previous disputes, Equifax failed to properly investigate or provide documentation verifying the accounts, which may be the result of identity compromise. They also previously marked my dispute as frivolous without conducting a full reinvestigation or responding to my legal demands under the Fair Credit Reporting Act ( FCRA ). 

Equifax has not provided any documentation from original creditors, nor have they issued written confirmation of their findings or actions. This failure to investigate or delete unverifiable data violates 15 U.S.C. 1681i and 1681s-2. I am requesting that the CFPB enforce compliance and ensure these accounts are removed if they can not be verified with proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I am submitting this complaint regarding a hard inquiry from XXXX XXXX , which is listed on my Experian credit report with a date of XX/XX/year>. 

I have never applied for any credit or financing through XXXX XXXX and did not authorize them to run a hard inquiry. There is also no corresponding account from this company reported anywhere on my Experian file. 

As stated in the FCRA 604 ( a ) ( 3 ), a hard inquiry may only be listed if there is consumer authorization or a credit transaction initiated by the consumer. Since neither applies here, I believe this inquiry is unauthorized.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
An inaccurate apartment debt is being reported on my credit report. The amount listed does not match the official court judgment filed in XXXX XXXX, XXXX. 

I was taken to court by my former apartment complex and a judgment was entered in the amount of {$2400.00}. I have obtained a certified copy of this court judgment from XXXX XXXX as proof of the actual debt owed. 

However, on my credit report, the debt is listed as {$5400.00}, which is more than double the court-ordered amount. I have not yet disputed this through the credit bureaus, but due to the magnitude of the discrepancy and the immediate effect its having on my housing applications, I am filing this complaint now. 

This inaccurate reporting has caused multiple rental application denials and continues to affect my ability to secure stable housing for myself and my family. I believe this discrepancy violates the Fair Credit Reporting Act, which requires credit reporting to be accurate and verifiable.

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