vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I am writing to formally file a complaint regarding several unauthorized hard inquiries that have been on my credit report. I did not authorize these inquiries, nor did I apply for credit with the companies that initiated them. 

These inquiries are negatively affecting my credit score and causing me great concern. I believe they may be the result of an error, or possibly fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
I am submitting a formal complaint against Experian for failing to accurately report and verify a collection account from XXXX XXXX, listed with a {$270.00} balance and marked as updated in XX/XX/year>. 

Despite multiple disputes and my submission of identifying documents ( ID, utility bill, and affidavit ), Experian failed to : provide full reinvestigation results, supply Metro 2 compliance data, prove that XXXX XXXX legally verified this debt. 

Experian continues to report the account as in collection while blocking my access to my report, citing a vague personal information mismatch. This violates FCRA 1681g ( access to report ), 1681e ( b ) ( accuracy ), 1681i ( a ) ( reasonable reinvestigation ), and 1681s-2 ( b ) ( furnishing unverifiable data ).

I requested verification, including Metro 2 codes and proof of the furnisher 's data source ( XXXX  or e-OSCAR response ). Experian has not provided these. Additionally, this item has been updated multiple times after my disputes, which is unlawful unless proper reinvestigation occurred. 

This situation constitutes deceptive and abusive conduct under XXXX XXXX. I am requesting immediate deletion of this account from my credit file and regulatory action.

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 2025-06-14 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: IN

Complaint narrative:
account paid in full, I was told account would be reported as closed off and satisfactory

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: AL

Complaint narrative:
i submitted a complaint with cfpb in XXXX XXXX XXXX  with all XXXX cra 's transunion, equifax, and experian and XXXX XXXX they send a stall static letter about my address after i have attached copies of my personal information of who i am but is not needed because my social security card is acting as a credit card. i am requesting that they finish the re-investigation process and delete the negative items from my credit report or i will turn this matter over to my attorney to sue.i have attached copies below for my reference

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
i submitted a complaint with cfpb in XXXX XXXX XXXX  with all XXXX cra 's transunion, equifax, and experian and XXXX XXXX they send a stall static letter about my address after i have attached copies of my personal information of who i am but is not needed because my social security card is acting as a credit card. i am requesting that they finish the re-investigation process and delete the negative items from my credit report or i will turn this matter over to my attorney to sue.i have attached copies below for my reference

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 2025-06-14 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$9900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called the credit bureau to get an update on my request for fraudulent and unauthorized activity on my account. I sent 5 separate letters separately with my identification to eliminate any excuses. Unfortunately, I have not heard back and it's over 30 days. 

I called 6 times and spoke with a supervisor to verify documents were received, which she confirmed. However, she couldn't explain why account has not been updated correctly. I proceeded to show her many violations and codes, but she replied " Its not my job to know the US code, that's our legal department ''. 

To this point - I've confirmed with the courts and attorney office that this public record should be removed as it is not accurate and false. I requested Experian to tell me method of verification and were they aware my rights are being violated, specifically 15.U.S.C 1681s-2 ( b0 1692e and possibly 18U.S.C 1341,1343

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
Collection ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: AL

Complaint narrative:
i submitted a complaint with cfpb in XXXX XXXX XXXX  with all XXXX cra 's transunion, equifax, and experian and XXXX XXXX they send a stall static letter about my address after i have attached copies of my personal information of who i am but is not needed because my social security card is acting as a credit card. i am requesting that they finish the re-investigation process and delete the negative items from my credit report or i will turn this matter over to my attorney to sue.i have attached copies below for my reference

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TRANSUNION, I am writing to formally dispute and request the removal of inaccurate information listed on my credit report. These errors are impacting my credit profile, and I ask that you investigate and delete the following items immediately, in accordance with the Fair Credit Reporting Act ( FCRA ).

2. Credit Accounts to Be Deleted : Please remove the following accounts, as I have submitted or can provide letters from the respective creditors confirming deletion instructions : XXXX XXXX XXXX  ( XXXX ) This was a secured credit card. I have provided a letter from XXXX requesting the deletion of this negative item from my credit file. 

XXXX XXXX XXXX XXXX ) Supporting documentation has been provided from the creditor, instructing the removal of this account from all credit reporting agencies. 

Bankruptcy Reporting Request for Proof : There is a XXXX XXXX  Bankruptcy listed on my credit report. I am formally requesting that TRANSUNION provide documentation and verification of the source reporting this bankruptcy, including : The court name and location The case number The date it was filed The date it was discharged The method by which TRANSUNION verified this information If TRANSUNION can not provide this information and proper verification, I respectfully request that the bankruptcy entry be removed from my credit report immediately in compliance with the Fair Credit Reporting Act ( FCRA ), Section 611. 


INQUIRIES THAT NEED TO BE REMOVED FROM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-14 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts were charged off in XX/XX/year> AND PAID Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history when i contacted Experian, they made changes that do not reflect the accounts. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found multiple closed student loan accounts reporting on my credit report as XXXX XXXX XXXX XXXX XXXX to be duplicates. These accounts : Have different account numbers, Are all closed, Show the same loan amounts, And were in deferment status during the life of the loan These entries do not reflect separate loans, but rather the same loan ( s ) reported multiple times. This duplication error and inaccuracies inflates my debt history and misrepresents my creditworthiness. It also creates confusion and may violate the Fair Credit Reporting Act ( FCRA ), which requires that all credit information be accurate and not misleading. I am requesting that you investigate and delete these accounts. This matter has been detrimental to my life and credit health, please remove them all. Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
I recently reviewed my credit report and found multiple closed student loan accounts reporting on my credit report as XXXX XXXX XXXX XXXX XXXX to be duplicates. These accounts : Have different account numbers, Are all closed, Show the same loan amounts, And were in deferment status during the life of the loan These entries do not reflect separate loans, but rather the same loan ( s ) reported multiple times. This duplication error and inaccuracies inflates my debt history and misrepresents my creditworthiness. It also creates confusion and may violate the Fair Credit Reporting Act ( FCRA ), which requires that all credit information be accurate and not misleading. I am requesting that you investigate and delete these accounts. This matter has been detrimental to my life and credit health, please remove them all. Thank you for your prompt attention.

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 2025-06-14 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX 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 2025-06-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate this account listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including this account that do not belong to me or were initiated without my consent XXXX XXXX XXXXXXXX

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