vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. These items are inaccurate and do not belong to me.

As provided under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent items be blocked and removed. Enclosed are a list of the disputed entries and my FTC Identity Theft Report.

Please investigate and provide written confirmation once the corrections are complete.

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 2025-07-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : XXXX. Provide a detailed account of the data that was compromised ; XXXX. Disclose the date and method by which the breach occurred ; XXXX. Explain the steps your organization is taking to remediate the situation ; XXXX. Provide documentation of your compliance with data protection laws ; XXXX. Correct any errors on my credit file caused by this breach ; XXXX. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within XXXX  days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : XXXX. Provide a detailed account of the data that was compromised ; XXXX. Disclose the date and method by which the breach occurred ; XXXX. Explain the steps your organization is taking to remediate the situation ; XXXX. Provide documentation of your compliance with data protection laws ; XXXX. Correct any errors on my credit file caused by this breach ; XXXX. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action. Sincerely, 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 2025-07-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/XXXX To : [ XXXX XXXX  TransUnion XXXX XXXX Choose bureau ( s ) where this account is being reported ] [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Information Dear [ XXXX XXXX TransUnion / XXXX  ], I am writing to formally dispute inaccurate and potentially unlawful information being reported on my credit file under an account listed by XXXX ( originally opened on XX/XX/XXXX ) with a balance of {$4100.00} and a status of Charge-off. 

Upon review of my credit report, I have identified the following discrepancies : Inaccurate & Incomplete Payment History The account reflects 0 % on-time payments, but fails to show accurate payment history prior to the charge-off. 
There are months marked as Unknown in XXXX and XXXX, violating the FCRAs requirement for accurate and complete data reporting. 
Payment data for XXXX is missing entirely, which raises questions about how the derogatory timeline was calculated. 

Possible Re-Aging of the Account The payment history shows continued monthly updates of Derogatory marks in XXXX and XXXX, despite the account being charged off well over a year ago. 
This may indicate re-aging of the account, which is illegal under FCRA if the original date of first delinquency is being misrepresented.

No Notification of Reinsertion If this account was previously deleted or suppressed and has now reappeared, I have not received proper notification within 5 business days of reinsertion, as required under FCRA Section 611 ( a ) ( 5 ) ( B ). Request for Immediate Action Purs
uant to the Fair Credit Reporting Act, I respectfully request the following : 1. Immediate reinvestigation of this account.

2. Full validation and documentation from the data furnisher ( XXXX XXXX ) of the original delinquency date and payment records. 
XXXX. Removal of any inaccurate, incomplete, or unverifiable data from my credit report. 
4. A detailed explanation of how the payment history, charge-off date, and balance are being calculated and reported.

5. If unverifiable, please delete this account from my credit profile.

Please complete the reinvestigation within the 30-day timeframe required by law and send me a written response with the results of your findings.

Thank you for your attention to this matter. I am asserting my rights under the FCRA to ensure that only fair and accurate information is reported on my credit file. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/XXXX To : [ Experian XXXX XXXX XXXX  XXXX Choose bureau ( s ) where this account is being reported ] [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Information Dear [ Experian / XXXX XXXX XXXX XXXX, I am writing to formally dispute inaccurate and potentially unlawful information being reported on my credit file under an account listed by XXXX ( originally opened on XX/XX/XXXX ) with a balance of {$4100.00} and a status of Charge-off. 

Upon review of my credit report, I have identified the following discrepancies : Inaccurate & Incomplete Payment History The account reflects 0 % on-time payments, but fails to show accurate payment history prior to the charge-off. 
There are months marked as Unknown in XXXX and XXXX, violating the FCRAs requirement for accurate and complete data reporting. 
Payment data for XXXX is missing entirely, which raises questions about how the derogatory timeline was calculated. 

Possible Re-Aging of the Account The payment history shows continued monthly updates of Derogatory marks in XXXX and XXXX, despite the account being charged off well over a year ago. 
This may indicate re-aging of the account, which is illegal under FCRA if the original date of first delinquency is being misrepresented.

No Notification of Reinsertion If this account was previously deleted or suppressed and has now reappeared, I have not received proper notification within 5 business days of reinsertion, as required under FCRA Section 611 ( a ) ( 5 ) ( B ).

Request for Immediate Action Pursuant to the Fair Credit Reporting Act, I respectfully request the following : 1. Immediate reinvestigation of this account.

2. Full validation and documentation from the data furnisher ( XXXX XXXX ) of the original delinquency date and payment records. 
3. Removal of any inaccurate, incomplete, or unverifiable data from my credit report.

4. A detailed explanation of how the payment history, charge-off date, and balance are being calculated and reported.

5. If unverifiable, please delete this account from my credit profile.

Please complete the reinvestigation within the 30-day timeframe required by law and send me a written response with the results of your findings.

Thank you for your attention to this matter. I am asserting my rights under the FCRA to ensure that only fair and accurate information is reported on my credit file. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX RE : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute and demand the immediate blocking and deletion of multiple unauthorized and inaccurate accounts on my credit report, under my rights provided by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 

My personal identifying information was compromised by a former spouse, who accessed and misused my data without my consent or authorization. As a result, the following accounts were opened fraudulently or reported inaccurately and do not belong on my credit file : XXXX. XXXX XXXX XXXX XXXX Opened without consent XXXX. XXXX XXXX Opened without consent XXXX. XXXX XXXX Opened without consent XXXX. XXXX XXXX XXXX XXXX Opened without consent XXXX. XXXX XXXX XXXX Collection Reporting inaccurate information XXXX XXXX XXXX XXXXXXXX Account Opened without consent I did not open, authorize, or have knowledge of these accounts at the time they were created. Therefore, I am requesting that you block and delete all references to these accounts from my credit report within four ( 4 ) business days, in compliance with the requirements of 15 U.S.C. 1681c-2.

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 2025-07-21 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:
Upon careful review of my credit report, I discovered a fraudulent account that I did not open or authorize. I am not liable for any activity related to this account and believe it was opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-07-21 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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 2025-07-21 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-07-21 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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