vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am a victim of a data breach and identity theft. I did not authorize the accounts in question, and they were opened or used without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S.C. 1681c-2, I am formally requesting that these fraudulent accounts be blocked and deleted from my credit file within 4 business days.

Please conduct an immediate investigation, notify the relevant creditors, and provide written confirmation once the accounts have been removed. I am attaching documentation to verify my identity and support this claim, including a copy of my government-issued ID, proof of address, and an identity theft affidavit or police report, if required. 

This request is being made pursuant to my rights under federal law to ensure the accuracy, fairness, and privacy of information contained in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am sending this complaint to formally dispute multiple inaccuracies and unauthorized entries appearing on my credit report. After a careful review of my file, I discovered personal information and inquiries that do not belong to me and appear to be the result of reporting errors or possible identity theft. These inaccuracies have negatively impacted my credit standing and do not accurately represent my financial history or identity. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed items and that any unverifiable, inaccurate, or fraudulent information be permanently deleted or blocked from my credit report under FCRA 605B ( 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 2025-11-03 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: GA

Complaint narrative:
I am sending this complaint to formally dispute multiple inaccuracies and unauthorized entries appearing on my credit report. After a careful review of my file, I discovered personal information and inquiries that do not belong to me and appear to be the result of reporting errors or possible identity theft. These inaccuracies have negatively impacted my credit standing and do not accurately represent my financial history or identity. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed items and that any unverifiable, inaccurate, or fraudulent information be permanently deleted or blocked from my credit report under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-03 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: WI

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2025-11-03 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: TN

Complaint narrative:
[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ] [ XXXX, TN XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] [ NATIONAL CREDIT SYSTEM ACCOUNT NUMBER XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXX, GA XXXX ] Subject : Cease and Desist Request to Stop All Communication To Whom It May Concern : I am writing in reference to your attempts to collect an alleged debt, account number [ insert account number if available ]. I am formally requesting, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you cease all communication with me regarding this debt, except as permitted by law.

Under the FDCPA, once this letter is received, you may only contact me to : Inform me that your collection efforts are being terminated, or Notify me that you intend to take a specific legal action, such as filing a lawsuit.

Please note that any further contact by phone, mail, or electronic means beyond what is legally allowed will be considered harassment and a violation of federal law. I also request that you not contact my family members, employer, or any third parties regarding this matter.

If you believe this debt is valid, you may provide written verification by mail only. Otherwise, I expect no further communication from your office.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, as the duly authorized representative of XXXX XXXX XXXX, pursuant to the executed Consumer Authorization and Limited Assignment Agreement dated XX/XX/XXXX. XXXX XXXX authorizes this filing under his rights granted by the Fair Credit Reporting Act ( FCRA ) against Equifax for willful failure to conduct a lawful and reasonable reinvestigation concerning inaccurate reporting. Despite XXXX XXXX prior dispute, Equifax continues to report a false late payment on his XXXX XXXX account ending in XXXX, allegedly dated XX/XX/XXXX, even though clear documentation disproves the existence of such delinquency. This continued publication of false and unverifiable data constitutes a direct violation of FCRA 1681i, which requires a proper reinvestigation of disputed information, and 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting data known or reasonably believed to be inaccurate. Equifax has failed to disclose the name and title of the verifier, the verification method used, or copies of any supporting documents from the furnisherclear evidence that no proper verification was ever completed. Such actions represent reckless disregard for consumer rights, obstruct transparency, and have caused measurable harm to XXXX XXXX credit reputation and financial standing. This misconduct demonstrates willful noncompliance under FCRA 1681n and negligence under 1681o, for which Equifax is fully accountable. Therefore, we respectfully request that the Consumer Financial Protection Bureau take immediate enforcement action compelling Equifax to delete the unverifiable late payment, issue written confirmation of correction, and conduct a compliance review to prevent future violations. If Equifax continues its noncompliance, XXXX XXXX and his authorized representative reserve the right to pursue full legal remedies, including claims for statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Unauthorized access to my credit report by several companies has directly harmed my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX this is my second attempt of notifying the bureau

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 2025-11-03 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: FL

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 non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am submitting to formally dispute several inaccurate and misleading Late Open notations currently appearing on my credit report. After carefully reviewing my file, I noticed multiple accounts are being reported with late payments or delinquency statuses that are not accurate or properly verified. These errors have unfairly damaged my creditworthiness, and I am requesting an immediate reinvestigation under the Fair Credit Reporting Act ( FCRA ). The following accounts are in dispute due to inaccurate late payment reporting and failure to verify accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} Late 60 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am submitting to formally dispute several inaccurate and misleading Late Open notations currently appearing on my credit report. After carefully reviewing my file, I noticed multiple accounts are being reported with late payments or delinquency statuses that are not accurate or properly verified. These errors have unfairly damaged my creditworthiness, and I am requesting an immediate reinvestigation under the Fair Credit Reporting Act ( FCRA ). The following accounts are in dispute due to inaccurate late payment reporting and failure to verify accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} Late 60 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00}

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 2025-11-03 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-11-03 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: GA

Complaint narrative:
b'Good day,\nI am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.\n\nUnder the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-03 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: GA

Complaint narrative:
b'Good day,\nI am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.\n\nUnder the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-03 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: GA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX OF XXXX XXXX Balance {$9800.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXXXXXX XXXX XXXX XXXX Balance {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : ( XXXX  ) : ( XXXXXXXX XXXX XXXX XXXX XXXX ) ; Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to on time as they should be as I was NEVER Late.

Company response to consumer: Untimely response