vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-21 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: TN

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading late payment reporting on multiple tradelines listed in my TransUnion credit file. These accounts include XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX. Each of these tradelines contains late payment data that either conflicts with documented payment history, violates XXXX XXXX reporting standards, or has been verified without substantiating evidence. 

Details : XXXX XXXX is reporting multiple late payments from XXXX while the account is currently open and paid as agreed. This conflicts with XXXX XXXX standards for consistent account status and violates FCRA 607 ( b ). 

XXXX XXXX is reporting two late payments ( XXXX XXXX ) on a closed and fully paid account. Their previous " investigation '' resulted in no resolution, and no supporting documentation was provided, violating FCRA 611 ( a ). 

XXXX XXXX is reporting a 30-day late in XX/XX/XXXX, despite consistent on-time payments before and after, and no valid notice or documentation was sent to support the delinquency. 

XXXX  XXXX XXXX is inaccurately reporting a XXXX late for XX/XX/XXXX, which is false. I possess complete payment history showing no such delinquency. This error is both damaging and a direct violation of FCRA 607 ( b ).

I submitted written disputes to TransUnion requesting a full Method of Verification for each entry under FCRA 611 ( a ) ( 7 ), including documentation, internal records, and verification procedures used. TransUnion has not provided any such evidence or resolved the errors. I am requesting the CFPB to initiate an investigation and compel correction or deletion of these entries due to their unverifiable and inconsistent nature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
My XXXX XXXX  opened several accounts in my name, these are not my accounts. I want these removed from my credit report right away. This is causing a major disruption to my life and an enormous amount of stress. Please remove these accounts from my file. I did not authorize these accounts to be opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
To Whom It May Concern, I am filing an official complaint against Experian for engaging in unethical and deceptive credit reporting practices, gross negligence, and complicity in identity theft involving my personal and financial information. These actions have caused direct harm to my credit profile, my financial stability, and my personal well-being.

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and fraudulent information, and by disregarding multiple dispute attempts submitted in accordance with my rights. There is compelling evidence to suggest that fraudulent activity is being initiated or knowingly overlooked by Experian employees, resulting in unauthorized use of my identity and continued financial damage.

I am fully aware that such deceptive and fraudulent conduct may fall under federal criminal statutes. Under 18 U.S. Code 1028 and 1029, identity theft and fraud involving access devices or personally identifiable information can result in criminal penalties, including up to 1520 years of imprisonment. If it is proven that employees or affiliates of Experian knowingly engaged in or facilitated these acts, they may be held criminally liable in addition to civil liability.

At this point, I am preparing to retain legal counsel to pursue all available legal remedies. My legal action will include claims of : Fraud and willful misconduct Violation of FCRA and consumer protection laws Complicity in identity theft Emotional and financial damages I demand that the Consumer Financial Protection Bureau ( CFPB ) immediately investigate Experians handling of my credit report and the fraudulent entries that have appeared under their watch. I also request enforcement actions be considered, including civil penalties and, where applicable, referral for criminal prosecution.

Illegally Lowering My Credit Score Experian is knowingly and unlawfully manipulating my credit score by allowing : False negative accounts and inquiries to remain or be reinserted Ignored or improperly processed disputes Unverified data from questionable or unknown furnishers Identity theft-related activity to appear as if it were authorized by me This is a serious matter that will not be ignored. I expect prompt action and a full response regarding these ongoing violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax will not release my credit information to my mortgage lender and I am trying to buy a house. I have called 3 times and sent one letter asking them to take any and all blocks off the acct and provided them my ss card and license.

From lender. 
Hi XXXX, So Equifax still isnt releasing your credit report. We pulled yesterday, XX/XX/year> and got the same message :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: SC

Complaint narrative:
XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX -- - Subject : Formal Complaint Regarding FCRA Violations and Inaccurate Credit Reporting To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), concerning the ongoing and willful failure of the following credit reporting agencies and furnishers to correct inaccurate, unverifiable, and misleading information on my consumer credit reports : Equifax Information Services LLC Experian Information Solutions , Inc . 
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: SC

Complaint narrative:
XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX -- - Subject : Formal Complaint Regarding FCRA Violations and Inaccurate Credit Reporting To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), concerning the ongoing and willful failure of the following credit reporting agencies and furnishers to correct inaccurate, unverifiable, and misleading information on my consumer credit reports : Equifax Information Services LLC Experian Information Solutions , Inc . 
TransUnion LLC 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 non-monetary relief
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a dispute regarding inaccurate and unverifiable collection accounts currently being reported on my credit report by XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts contain errors that are negatively affecting my credit profile, and I request a formal investigation into these matters. 

Below are the details of the disputed accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Collection account reported as {$1100.00} past due as of XX/XX/XXXX Issues : I do not have any recollection or documentation of this debt. 
Payment history inconsistencies noted in XXXX ( missing months, unclear reporting ). 
No proper verification or documentation was provided by the reporting agency to substantiate this debt. 



XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Status : Collection account reported as {$3600.00} past due as of XX/XX/XXXX Issues : The account shows irregular and incomplete reporting history ( missing months, inconsistent collections ). 
I have no record of owing this debt, and no valid validation notice or contract has ever been provided. 
This account does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a dispute regarding inaccurate and unverifiable collection accounts currently being reported on my credit report by XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts contain errors that are negatively affecting my credit profile, and I request a formal investigation into these matters. 

Below are the details of the disputed accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Collection account reported as {$1100.00} past due as of XX/XX/XXXX Issues : I do not have any recollection or documentation of this debt. 
Payment history inconsistencies noted in XXXX ( missing months, unclear reporting ). 
No proper verification or documentation was provided by the reporting agency to substantiate this debt. 



XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Status : Collection account reported as {$3600.00} past due as of XX/XX/XXXX Issues : The account shows irregular and incomplete reporting history ( missing months, inconsistent collections ). 
I have no record of owing this debt, and no valid validation notice or contract has ever been provided. 
This account does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: IL

Complaint narrative:
I have gotten access to my credit report and saw so many fraudulent accounts dating overly years back, they are damaging to my background and I am demanding for deleting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have gotten access to my credit report and saw so many fraudulent accounts dating overly years back, they are damaging to my background and I am demanding for deleting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On or around XX/XX/2025. XXXX XXXX XXXX XXXX show this as a hard pull or inquiry which was an action not started, initiated or requested on my behalf! 

This is a new instance of active identity fraud and I have been victimized before so this is getting annoying for sure. Please do what you can do see to removing this hard pull / inquiry from all credit sources. I carry two active lines of credit with chase and my wife has her own card with Capital One that I am an authorized user over. We do not need another card and never applied for this! 

I have reached out to the reporting agencies who show this is in my record but when I call Capital One about it they say they see nothng!?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion for engaging in unethical, unlawful, and deceptive credit reporting practices, including the facilitation of identity theft, repeated publication of fraudulent and inaccurate data, and the intentional and illegal lowering of my credit score.

I have submitted multiple disputes, accompanied by valid documentation, regarding fraudulent accounts and inquiries that I did not authorize. TransUnion has failed to properly investigate or remove this false information and, instead, has continued to allow inaccurate data to remain or reappear on my credit file. This reflects gross negligence, possible internal misconduct, and intentional disregard for my rights under the Fair Credit Reporting Act ( FCRA ).

Willful and Unlawful Credit Score Suppression It is evident that TransUnion is purposely and unlawfully lowering my credit score. This appears to be a deliberate act rather than an administrative error. These actions include : Refusing to remove fraudulent and unverifiable accounts and inquiries Re-inserting previously deleted negative items without proper notice Ignoring valid disputes in violation of federal law Allowing third-party furnishers to report false data without proper validation Altering my credit score through unauthorized and retaliatory practices These patterns are not only unethical but may constitute criminal behavior under federal law.

Legal Accountability and Prosecution TransUnions actionsand the actions of any employees or affiliates knowingly involvedmay fall under serious criminal violations, including : 18 U.S. Code 1028 Identity Theft 18 U.S. Code 1029 Fraud involving access devices or personal information 18 U.S. Code 1343 Wire Fraud related to credit data transmission and manipulation If proven, these offenses carry penalties of up to 1520 years in federal prison. I fully intend to retain legal counsel and pursue civil damages and criminal prosecution for all responsible individuals and any third parties involved.

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