vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
My plea for your agency to rectify the inaccurate status of my accounts has been consistently overlooked. Despite submitting numerous written requests, I have yet to receive any response. Additionally, my account report persistently displays erroneous information, specifically regarding the late payment status, which remains unresolved despite my earnest attempts to address the issue directly with the creditor. Consequently, your agency continues to report unverified information, a clear violation of the Fair Credit Reporting Act, 15 USC Sections 1681, without adhering to the legal deadlines. This constitutes willful negligence and a breach of federal statutes. The specified accounts below are still reflectings a late payment on my credit report : XXXX XXXX XXXX XXXX Balance {$64000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
My plea for your agency to rectify the inaccurate status of my accounts has been consistently overlooked. Despite submitting numerous written requests, I have yet to receive any response. Additionally, my account report persistently displays erroneous information, specifically regarding the late payment status, which remains unresolved despite my earnest attempts to address the issue directly with the creditor. Consequently, your agency continues to report unverified information, a clear violation of the Fair Credit Reporting Act, 15 USC Sections 1681, without adhering to the legal deadlines. This constitutes willful negligence and a breach of federal statutes. The specified accounts below are still reflectings a late payment on my credit report : XXXX XXXX XXXX XXXX Balance {$64000.00}

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 non-monetary relief
Consumer complaint received 2025-07-07 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:
Account XXXX This contract was breached when you discontinued communication in XXXX, XXXX, XXXX XXXXIt is unlawful to not notify the customer any bills regardless of the method. However you have multiple times and even admitted to discontinuing communication. Not only that to formally dispute inaccurate and misleading information that is currently being reported on my credit-file. The account in question is from XXXX and appears as a charged-off revolving account. 
Upon review of my credit report, I noticed that this account is being reported as a charge-off month after month for an extended period, specifically on EXPERIAN. This violates the Metro 2 credit reporting format and the Fair Credit Reporting Act ( FCRA ), which both stipulate that a charge-off is a one-time event, not a recurring delinquency that can be reported repeatedly to further damage a consumer 's credit standing. 
Reporting a charge-off every month is misleading and inaccurate. It artificially inflates the negative impact of the account and fails to accurately reflect the historical status of the account. This tactic is not only unfair but also non-compliant with federal credit reporting laws and guidance from the Consumer Financial Protection Bureau ( CFPB ). 
Furthermore, there are inconsistencies across credit bureaus on this same account, including different " date of last activity '' and credit limit reporting. These discrepancies indicate a lack of verified, consistent data- which calls the integrity of the record into question.

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 2025-07-07 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: IN

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$500.00XXXX XXXX XXXX Original Creditor XXXX IXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2500.00}

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 2025-07-07 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-07 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX * * Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
I am writing to formally disputed this account that appears on my credit report. this account that appears on my credit report .The account in question was subject of legal proceeding which was ultimately dismissed by the court here are the details of the collection account Agency Name : XXXX XXXX XXXX Account Number : XXXX I appeared in court regarding this alleged debt and the case was dismissed by the judge. Therefore this collection should not be reported as un active or valid debt on my credit report they has violated my rights In accordance with the 15 U.S.C 1681 Section 602 A State and 15 U.S.C 1681 Section 604 A it also State a consumer reporting agency

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 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit report Transunion. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several hard inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within four ( 4 ) business days of receiving proper documentation.

The following legal provisions have been violated in relation to these unauthorized credit inquiries : 15 U.S.C. 1681b ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate business purpose. These inquiries were made without my knowledge or consent. 
15 U.S.C. 1681c-1 ( a ) ( 2 ) Fraud Alerts : I have placed a fraud alert on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply.

15 U.S.C. 1681c-2 Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these inquiries.

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 2025-07-07 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: NV

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-07-07 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: NC

Complaint narrative:
This Notice serves as a formal dispute to Equifax, Experian, and TransUnion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under : - 15 U.S.C. 1681b Permissible purposes of consumer reports- 15 U.S.C. 1692g Validation of debts- 15 U.S.C . 1681s-2 Responsibilities of furnishers of information- 15 U.S.C. 1681c-2 Blocking of information resulting from identity theftI am writing to dispute and formally challenge the inaccurate and unlawful late payment ( XXXX ) reported on my XXXX XXXX XXXX XXXX XXXX ) account currently listed in your consumer report profile. These alleged delinquencies are false, incomplete, and not verified in accordance with the procedures and timelines set forth under federal law. I have previously submitted notice to the data furnisher ( XXXX ) demanding chain of title, validation, and full accounting, and have received no lawful response with the original contract bearing my wet-ink signature. These reporting errors constitute the furnishing of inaccurate and incomplete information in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and a failure to investigate under 1681i. Furthermore, I have submitted a complaint to the Federal Trade Commission ( FTC ) concerning these violations. You are hereby placed on notice that any continued publication or reporting of this inaccurate information, despite knowledge of its falsity, is a willful and negligent breach of federal law and exposes you to civil liability. Pursuant to 15 U.S.C. 1681c-2, I DEMAND that all inaccurate and unlawful late payment ( s ) reported on my XXXX  account be BLOCKED and DELETED IMMEDIATELY upon receipt of this notice. This demand includes : - Full deletion of the late payment ( XXXX ) from my credit XXXXile- Written confirmation of the deletion- An updated copy of my credit report with all corrections made failure to correct and delete these entries may result in further legal action and pursuit of damages under 15 U.S.C. 1681n and 1681o. You are hereby instructed to cease all processing, redisclosure, and distribution of these false records. Sincerely, XXXX XXXX XXXX, Executor & Beneficiary of the 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 2025-07-07 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: NC

Complaint narrative:
This Notice serves as a formal dispute to Equifax, Experian, and TransUnion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under : - 15 U.S.C. 1681b Permissible purposes of consumer reports- 15 U.S.C. 1692g Validation of debts- 15 U.S.C . 1681s-2 Responsibilities of furnishers of information- 15 U.S.C. 1681c-2 Blocking of information resulting from identity theftI am writing to dispute and formally challenge the inaccurate and unlawful late payment ( XXXX ) reported on my XXXX XXXX XXXX XXXX XXXX ) account currently listed in your consumer report profile. These alleged delinquencies are false, incomplete, and not verified in accordance with the procedures and timelines set forth under federal law. I have previously submitted notice to the data furnisher ( XXXX ) demanding chain of title, validation, and full accounting, and have received no lawful response with the original contract bearing my wet-ink signature. These reporting errors constitute the furnishing of inaccurate and incomplete information in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and a failure to investigate under 1681i. Furthermore, I have submitted a complaint to the Federal Trade Commission ( FTC ) concerning these violations. You are hereby placed on notice that any continued publication or reporting of this inaccurate information, despite knowledge of its falsity, is a willful and negligent breach of federal law and exposes you to civil liability. Pursuant to 15 U.S.C. 1681c-2, I DEMAND that all inaccurate and unlawful late payment ( s ) reported on my XXXX  account be BLOCKED and DELETED IMMEDIATELY upon receipt of this notice. This demand includes : - Full deletion of the late payment ( XXXX ) from my credit XXXXile- Written confirmation of the deletion- An updated copy of my credit report with all corrections made failure to correct and delete these entries may result in further legal action and pursuit of damages under 15 U.S.C. 1681n and 1681o. You are hereby instructed to cease all processing, redisclosure, and distribution of these false records. Sincerely, XXXX XXXX XXXX, Executor & Beneficiary of the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief