vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$490.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Fraudulent Account stopping me from getting a house with my family

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 2025-08-13 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: NC

Complaint narrative:
Since XX/XX/XXXX, I have had a credit repair company working to correct inaccurate information on my credit reports with Experian, Equifax, and TransUnion. I do not have documentation from that company detailing exactly what they sent to the credit bureaus or the furnishers ( XXXX XXXX and XXXX XXXX ), but my credit reports show that disputes have been submitted over this period. 

Despite this ongoing dispute activity since late XXXX, as of my updated credit reports dated XX/XX/XXXX, and XX/XX/XXXX, the same inaccurate information remains. These inaccuracies include : contradictory charge-off and past due balances, missing payment history, inconsistent credit limits and balances, incorrect Date of First Delinquency ( re-aging ), and failure to mark the accounts as disputed. 

On XX/XX/XXXX, I personally sent written disputes and requests for Method of Verification under FCRA 611 ( a ) ( 7 ) to Experian, Equifax, TransUnion, XXXX XXXX, and XXXX  XXXX. I clearly identified the accounts, explained the inaccuracies, and requested documentation showing how the accounts were verified, including the original Date of First Delinquency.

The bureaus and furnishers failed to conduct a reasonable reinvestigation ( 611 ( a ) ( 1 ) ), did not provide the requested verification details ( 611 ( a ) ( 7 ) ), continued to furnish inaccurate data ( 623 ( a ) ( 1 ), 623 ( b ) ), failed to mark the accounts as disputed ( 623 ( a ) ( 3 ) ), and re-aged the accounts in violation of 605 ( c ).

These ongoing violations have caused me financial harm, including credit denials, higher interest rates, and emotional distress. I am requesting deletion or full correction of the inaccurate accounts, and statutory damages for each violation. 

Supporting documentation : Credit report excerpts from XX/XX/XXXX, and XX/XX/XXXX, dispute letters sent XX/XX/XXXX, proof of delivery, and correspondence.

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 2025-08-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am a victim of identity theft. A fraudulent credit account has been reported in my name by XXXX XXXX XXXX ( Account XXXX. XXXX ). I did not authorize or open this account. The account was allegedly opened in XX/XX/XXXX and I discovered it in XX/XX/XXXX. This account appears on my credit report without my knowledge or consent. 



Legal Basis for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and remove unverifiable data. 
XXXX. FCRA, XXXX XXXX. XXXX ( XXXX XXXX ) Mandates that credit reporting agencies block fraudulent information from appearing on a consumers credit report within XXXX business days of receiving proof of identity theft. 
XXXX. Fair and Accurate Credit Transactions Act ( FACTA ), XXXX XXXX. XXXX Provides for the placement of fraud alerts and extended fraud alerts to protect identity theft victims. 
XXXX. Identity Theft and XXXX XXXX XXXX, XXXX XXXX. XXXX Criminalizes the unauthorized use of personal identifying information for fraudulent purposes. 



Actions Taken : I have filed a report with the Federal Trade Commission ( FTC Report # XXXX ). 
I have disputed the account with the credit bureaus under the FCRA and requested its removal. 
I have placed a fraud alert on my credit file. 



Requested Resolution : I request the CFPB to ensure that : XXXX. XXXX XXXX XXXX immediately ceases all reporting of this fraudulent account. 
XXXX. All credit reporting agencies permanently delete this account from my credit file. 
XXXX. I receive written confirmation from XXXX XXXX XXXX and the credit bureaus confirming the deletion. 
XXXX. Any collection efforts related to this fraudulent account cease immediately. 



Supporting Documentation : FTC Identity Theft Report ( attached ) Copy of my government-issued ID Proof of address ( utility bill ) Copies of disputes sent to credit bureaus Certification : I declare under penalty of perjury that this complaint is true and correct to the best of my knowledge.

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 2025-08-13 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: IL

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year>, which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from 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 non-monetary relief
Consumer complaint received 2025-08-13 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: DC

Complaint narrative:
You have reported or continue to report the following item ( s ) without ensuring maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and without providing verifiable documentation of my authorization or liability : Item ( s ) in Dispute : [ List account name, account number, or inquiry details ] Under 15 U.S.C. 1681i, you are required to reinvestigate disputed information and delete or correct it within the statutory timeframe. Your failure to properly investigate and/or remove the inaccurate item ( s ) constitutes negligent noncompliance with the FCRA, making you liable under 15 U.S.C. 1681o for : Actual damages sustained by me as a result of this negligence ;

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 2025-08-13 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: DC

Complaint narrative:
You have reported or continue to report the following item ( s ) without ensuring maximum possible accuracy, as required by 15 U.S.C. 1681e ( b ), and without providing verifiable documentation of my authorization or liability : Item ( s ) in Dispute : [ List account name, account number, or inquiry details ] Under 15 U.S.C. 1681i, you are required to reinvestigate disputed information and delete or correct it within the statutory timeframe. Your failure to properly investigate and/or remove the inaccurate item ( s ) constitutes negligent noncompliance with the FCRA, making you liable under 15 U.S.C. 1681o for : Actual damages sustained by me as a result of this negligence ;

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2025, I mailed a dispute letter to TransUnion regarding a derogatory late payment remark being reported on my credit file for : Account Name : XXXX XXXX  Account Number : XXXX The payment history for this account reflects on-time payments, yet TransUnion is inaccurately reporting a late payment. 
In compliance with the Fair Credit Reporting Act ( FCRA ), I enclosed all required documents to verify my identity, including proof of identification, to facilitate their investigation. 
Instead of conducting a reinvestigation, TransUnion sent me a response letter dated XX/XX/2025 stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This statement is incorrect and misleading because I personally mailed the dispute letter, along with the necessary identification documents, directly to TransUnion. 
Violation of FCRA : Under FCRA 611 ( 15 U.S.C. 1681i ), if the completeness or accuracy of any item of information in a consumers file is disputed by the consumer, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information. TransUnions refusal to conduct this investigation is a direct violation of my rights under federal law.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-13 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:
These accounts do not belong to me and may be linked to identity theft. I request a full investigation and their removal. Relevant documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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'm asking for your assistance to look into accounts that are inaccurately flagged for late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment notationsplease remove them and update the accounts to show the positive status we agreed on. The account marked delinquent is also incorrect and needs to be disputed and changed to reflect on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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