vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of an account by XXXX XXXX on my Equifax credit report. 

Equifax is reporting this account as a charge-off with a {$1400.00} balance and a first payment never received notation. However, there are discrepancies in how payment history, delinquency dates, and charge-off dates are reported, compared to other bureaus and to my actual records. I dispute the accuracy of the reported delinquencies and the claim that no payments were ever made.

Additionally, Equifax reports my XXXXXXXX XXXX  secured card account as closed with pays as agreed status, while XXXX  lists this same account as open and in good standing.

I have submitted formal written disputes with supporting documentation under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ).

I am requesting Equifax to : Fully reinvestigate both accounts.

Correct all inaccurate payment history, account statuses, and delinquency information.

Remove unverifiable or inaccurate information per FCRA.

My ability to obtain credit, employment, and housing is being harmed by these inaccuracies, causing unnecessary financial hardship. I am requesting CFPB assistance to ensure my dispute is handled properly and lawfully.

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

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account being reported on my credit report by XXXX XXXX in the amount of {$780.00}. I have previously disputed this account, and it remains on my credit report despite a related lawsuit having been dismissed without prejudice.

At this time, there is no active legal action supporting the collection of this alleged debt, and continued reporting of this account is misleading and harmful. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and fully verifiable information. Reporting an unresolved or dismissed accountespecially one tied to a dismissed court actionviolates this requirement.

I am requesting the following actions : Conduct a full reinvestigation of the XXXX XXXX account ; Delete this collection account from my credit report based on the dismissal and unresolved legal status ; Send me written confirmation once the investigation is complete.

Attached are documents including court dismissal paperwork, previous communication dispute

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 2025-07-07 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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 need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-07-07 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
I bought a house with my roommate in XXXX My roommate wanted to finish the backyard and mention a personal home improvement loan from XXXX XXXX. He ask if he needed my income to qualify would I be willing. I told him I needed to talk with the rep to verify this information. I was told if he qualify by himself my info is not needed. I trusted the process because I was told before he could move forward if I was needed I would be reached out to by the same rep and explained the process. 

I spoke with the rep from XXXX XXXX he stated I would only be used if he didn't qualify alone for the loan. He asked some general questions and told me he would reach back out to me if he needed to. My roommate did qualify for the loan by himself with no collateral. I never had to verify or sign anything from my side. 

I recently was applying for a student loan for school and noticed that this account has been on my Credit report for almost XXXX years. Granted the account is paid to date and never has been late I was NOT suppose to be on any documents for approval of this loan. 

I contacted XXXX XXXXXXXX XXXX times now trying to get them to removal me from this loan and every time I was told different things. The most common one was he has to refi in order to remove me. This is not an option for him. I asked for documentation showing I signed and agreed to this loan and was told this was a no documentation loan and it was electronically signed after approval. I requested the electronic version of the loan and have not received it. My roommate found the doc-u-signed he received and I was not listed on the loan at that point. 

I will provide a copy he sent over to me as he was not aware I was added in this form either. My request has been ignored or pushed off and no actions have happened. I contacted the XXXX Credit Bureau and was told they can not remove the account that I need to work with the company and if I have and gotten no where then I need to file a complaint in order for them to do anything with the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
I bought a house with my roommate in XXXX My roommate wanted to finish the backyard and mention a personal home improvement loan from XXXX XXXX. He ask if he needed my income to qualify would I be willing. I told him I needed to talk with the rep to verify this information. I was told if he qualify by himself my info is not needed. I trusted the process because I was told before he could move forward if I was needed I would be reached out to by the same rep and explained the process. 

I spoke with the rep from XXXX XXXX he stated I would only be used if he didn't qualify alone for the loan. He asked some general questions and told me he would reach back out to me if he needed to. My roommate did qualify for the loan by himself with no collateral. I never had to verify or sign anything from my side. 

I recently was applying for a student loan for school and noticed that this account has been on my Credit report for almost XXXX years. Granted the account is paid to date and never has been late I was NOT suppose to be on any documents for approval of this loan. 

I contacted XXXX XXXXXXXX XXXX times now trying to get them to removal me from this loan and every time I was told different things. The most common one was he has to refi in order to remove me. This is not an option for him. I asked for documentation showing I signed and agreed to this loan and was told this was a no documentation loan and it was electronically signed after approval. I requested the electronic version of the loan and have not received it. My roommate found the doc-u-signed he received and I was not listed on the loan at that point. 

I will provide a copy he sent over to me as he was not aware I was added in this form either. My request has been ignored or pushed off and no actions have happened. I contacted the XXXX Credit Bureau and was told they can not remove the account that I need to work with the company and if I have and gotten no where then I need to file a complaint in order for them to do anything with the account.

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 2025-07-07 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-08 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: FL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-07 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: OneMain Finance Corporation
State: IN

Complaint narrative:
I am a victim of identity theft. There are several hard inquiries on my credit report that I did not authorize or initiate. These inquiries were made without my knowledge or consent, which is a violation of my rights under federal law.

These hard inquiries violate : 15 U.S. Code 1681c-2, which requires removal of identity theft-related data within 4 business days 15 U.S. Code 1681b, as I never gave written authorization for my report to be accessed I am requesting immediate removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN XXXX XXXX XXXX Please take prompt action to block and delete these inquiries from my credit file, as required by law. Thank you. 


Im going to attach : My FTC Identity Theft Report A formal dispute letter A copy of my government-issued ID My Social Security card Proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Westlake Services, LLC
State: IN

Complaint narrative:
I am a victim of identity theft. There are several hard inquiries on my credit report that I did not authorize or initiate. These inquiries were made without my knowledge or consent, which is a violation of my rights under federal law.

These hard inquiries violate : 15 U.S. Code 1681c-2, which requires removal of identity theft-related data within 4 business days 15 U.S. Code 1681b, as I never gave written authorization for my report to be accessed I am requesting immediate removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOWCOM/WESTLAKE FINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please take prompt action to block and delete these inquiries from my credit file, as required by law. Thank you. 


Im going to attach : My FTC Identity Theft Report A formal dispute letter A copy of my government-issued ID My Social Security card Proof of address

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

Complaint narrative:
This is a formal complaint against EXPERIAN for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), as well as violations of the automatic stay provision under 11 U.S. Code 362 of the United States Bankruptcy Code. Despite being discharged in XXXX XXXX  bankruptcy ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), EXPERIAN is unlawfully reporting accounts that were included in the bankruptcy as delinquent or with a {$0.00} balance while continuing to show negative payment history. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting these accounts post-discharge in this manner constitutes willful and negligent violations of both the FCRA and the bankruptcy automatic stay. 

Furthermore, EXPERIAN has failed to maintain reasonable procedures to ensure maximum possible accuracy of the information being reported, as required by FCRA 607 ( b ). By continuing to furnish and display discharged debts without properly coding them as " included in bankruptcy '' and discharged, EXPERIAN is furnishing misleading and inaccurate information to third parties. This has resulted in significant reputational and financial harm. Moreover, under FCRA 609 ( a ), I am exercising my right to request the name and contact information of the third-party vendor or furnisher that provided the bankruptcy data currently appearing on my credit report. To my knowledge, the U.S. Bankruptcy Court does not have a direct relationship with any credit reporting agency, nor does it supply data to such agencies voluntarily or automatically. 

I demand the immediate deletion of the above-referenced tradelines from my credit report and for EXPERIAN to cease reporting outdated, inaccurate, and legally discharged information in violation of federal law. Failure to act on this complaint will result in further escalation to the Federal Trade Commission, my State Attorney General, and possible civil litigation under 15 U.S. Code 1681n and 1681o. I also demand written confirmation of the actions taken in response to this complaint.

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 2025-07-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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