vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXXXXXX XXXX XXXX  - XX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report. 

XXXX XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report. 

Please see the above inquiries as well.

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 2025-07-27 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 recently reviewed a copy of my credit report, and I notice I had a fraudulent account on my report. Please remove the account from my report. They are hurting my ability to obtain credit.

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 2025-07-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
This is a follow-up complaint of XXXX regarding a customer that purchased a {$500.00} vanilla visa gift cards from local supermarkets. All of them are placed ON HOLD and the customer care representative promised me of replacement cards. I already asked the replacement card for XXXX  times and I still haven't received them at all after XX/XX/XXXXmonths. 

After I submitted the complaint XXXX on XXXX, I received the email from XXXX on XXXX asking for my address. I appreciate the fast response from the company, but after I provided my document, I still didn't receive my replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have a fraud alert on my credit report and I have requested to get my credit reports by mail and none of the credit bureaus will actually give me my credit reports at all. I need to be able to review those due to identity theft and many loans being obtained in my name and I think it's unfair to be taken to court and be sued for something I never did

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have a fraud alert on my credit report and I have requested to get my credit reports by mail and none of the credit bureaus will actually give me my credit reports at all. I need to be able to review those due to identity theft and many loans being obtained in my name and I think it's unfair to be taken to court and be sued for something I never did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MT

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account for XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The account number is not listed on the my report but the information is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX XXXX ( XXXX ) XXXX XXXX XXXX Experian Equifax Information Services , LLC TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX Subject : Request for Removal of Department of EducationXXXX Account Account Number : XXXX To Whom It May Concern, I am writing to formally request the removal of an inaccurate account reported on my credit file. The account in question is with the Department of EducationXXXX, account number XXXX. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I have found discrepancies regarding the balance of the account : Experian : Reports the balance as {$16000.00}. 

Equifax : Reports the balance as {$16000.00}.

TransUnion : Reports the balance as {$16000.00}.

As per the Fair Credit Reporting Act ( FCRA ), I believe the information reported is inaccurate and creates confusion on my credit report. The discrepancies in the reported balance are not reflective of the actual status of this account, and I am requesting that the account be immediately removed from my credit report with all three credit bureaus. 

In accordance with 15 U.S.C. 1681i, I expect that the necessary investigation and corrective action will be taken promptly, and the account will be removed within the 30-day period. 

Please confirm the removal of this account and provide me with a written response outlining the actions taken. If further documentation or information is required to support my dispute, I am happy to provide it. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Giact Systems, LLC
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally request that you remove or lift any fraud alerts, blocks, or security freezes currently placed on my consumer file. These freezes are preventing me from opening bank accounts and credit card accounts, and they are severely impacting my ability to manage my financial life. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws, I request that your agency : Remove or lift any fraud alerts, freezes, or other restrictions that are currently affecting access to or verification of my consumer file.

Update my contact information on file to the following : Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX To verify my identity and assist with this process, I have attached the following documents : A copy of my Drivers License ( with current address ) A recent Utility Bill ( with current address ) A copy of my Social Security Card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following previous addresses are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect -The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
The account XXXX  on my credit report is fraudulent and illegally reporting on my credit report. This false account is harming me by lowering my score, making credit approval harder, raising interest rates, increases insurance costs, and affecting job and housing opportunities; threatening my ability to secure stable housing for me and my XXXX. This account being furnished on my credit report exposes me to collection activity and harassment on a debt that is not mine causing stress and impacts my mental health. This account is not my obligation and violates my rights under 15 U.S.C. 1681b & 1681b ( a ) ( XXXX XXXX XXXX may only furnish or allow access to a credit report for specific permissible purposes. Reporting a fraudulent account without your consent or a valid purpose violates this ; 15 U.S.C. 1681XXXX XXXX  can be held liable if they knowingly allow inaccurate information to be reported or fail to ensure accuracy after being notified ; 15 U.S.C. 1692b Limits communication about debts with third parties; reporting a false debt spreads false information ; 15 U.S.C. 1692j Prohibits furnishing forms or information that falsely appear valid or from another source to deceive ; 15 U.S.C. 1692d Prohibits actions that harass or abuse consumers ; a false debt on your report can be considered abusive ; 15 U.S.C. 1692e Prohibits false or misleading representations of a debt ; 15 U.S.C. 1692f Prohibits unfair or unconscionable means of collecting a debt. 

Below is the information found on my credit report XX/XX/XXXX : Account name XXXX XXXXccount number XXXX Original creditor- Company sold- Account type Charge Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. 
Status updated XX/XX/XXXX Balance- Balance updated- Credit limit XXXX XXXX Monthly payment- Last Payment Date XX/XX/XXXX Highest balance {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Thank you for the opportunity to solve my problem. I subscribed to an account since 2018, 7 years ago with a credit card called Millestone. I have received the surprise that it has been bought by an umbrella company that has several names, Concora Credit, Millestone Indigo, and others. Where the information of us clients is shared and unified in a single client portal on the phone. However, I want to state how there are multiple complaints to the XXXX  and other entities that this company has terrible customer service. Payments are sent by mail and they do not receive them. They never update the change of address information, and consequently the plastics never arrive to be used. I have paid punctually for poor service and they have never updated my income to obtain a better limit that justifies having recurring accounts that are not obsolete but that really provide a thirty-day service. They ask for XXXX to deliver the cards, XXXX to process payments, and XXXX to respond to any problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
Subject : Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and 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 explanation
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
Subject : Formal Dispute and Request for Investigation and Deletion of Inaccurate/Unauthorized Items under 15 USC 1692c , 1692g, 1681e ( b ), 1635, and Related Consumer Protections To Whom It May Concern : I am writing to formally dispute the following accounts and inquiries currently appearing on my consumer credit reports. This letter is written pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account ending in in the last four digits # XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Personal Statement for Identity Theft Report I am a victim of identity theft and a recent databreach. As a result, my consumer report contains inaccurate information, including : Incorrect address Incorrect names Incorrect employment Incorrect Social Security number Thisinformation does not relate to any transaction I made. Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-1 ( a ) ), consumer reporting agencies and data furnishersmust block and remove such unauthorized information within four business days of receiving this notice. Effective immediately, I do not consent to any agency, data broker, or furnish reporting these tradelines. Remove and update my report without delay. Thank 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Personal Statement for Identity Theft Report I am a victim of identity theft and a recent databreach. As a result, my consumer report contains inaccurate information, including : Incorrect address Incorrect names Incorrect employment Incorrect Social Security number Thisinformation does not relate to any transaction I made. Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-1 ( a ) ), consumer reporting agencies and data furnishersmust block and remove such unauthorized information within four business days of receiving this notice. Effective immediately, I do not consent to any agency, data broker, or furnish reporting these tradelines. Remove and update my report without delay. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian Equifax XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Removal of XXXX XXXX Account Account Number : XXXX To Whom It May Concern, I am writing to formally request the removal of an inaccurate account reported on my credit file. The account in question is with XXXX XXXX, account number XXXX. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I have found discrepancies regarding the close date : Experian : No close date is reported. 

Equifax : Close date reported as XX/XX/XXXX. 

TransUnion : Close date reported as XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe the information reported is inaccurate and misleading. Since the accounts details do not align across all credit bureaus, I request the immediate removal of this account from my credit file with all three agencies. 

As per 15 U.S.C. 1681i, I expect that the necessary investigation and corrective action will be taken promptly, and the account will be removed within the 30-day period. 

Please confirm the removal of this account and provide me with a written response outlining the action taken. If additional documentation is required, I am happy to provide it. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian Equifax XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Removal of XXXX XXXX Account Account Number : XXXX To Whom It May Concern, I am writing to formally request the removal of an inaccurate account reported on my credit file. The account in question is with XXXX XXXX, account number XXXX. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I have found discrepancies regarding the close date : Experian : No close date is reported. 

Equifax : Close date reported as XX/XX/XXXX. 

TransUnion : Close date reported as XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe the information reported is inaccurate and misleading. Since the accounts details do not align across all credit bureaus, I request the immediate removal of this account from my credit file with all three agencies. 

As per 15 U.S.C. 1681i, I expect that the necessary investigation and corrective action will be taken promptly, and the account will be removed within the 30-day period. 

Please confirm the removal of this account and provide me with a written response outlining the action taken. If additional documentation is required, I am happy to provide it. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the speed of information on my credit report leaving inaccurate or unverifiable accounts unresolved The consumer financial protection bureau ( CFPB ) Has recently Father lawsuit against Experian alleged systemic issues such as failing to forward consumer provided evidence to furniture accepting unreliable responses and failing to adequate notified consumers of dispute outcomes these failure align with my experience were experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I'm requesting immediate corrective action to remove and amend the disputed accounts as experian in action violates the federal law and my rights as a consumer

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