vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
Good day, I got married 8 years ago. I kept the same social security number, same date of birth but changed my last name. 

I updated my social security card with the Social Security administration with my married last name, they kept the same Social Security number for me. 

I changed my last name on my license with the XXXX in my state. 

My marriage certificate has my married last name. 


I contacted all three credit bureaus to let them know that my profile was not accurate. They had two different profiles for me. They had one profile with my maiden name and they had another profile with my married name, even though my Social Security number, date of birth and address where all the same for both profiles.

I contacted them 8 years ago after I had got married, they fixed it then and for some strange reason it reverted back to a split profile. I contacted them two years ago after a credit that I was seeking from XXXX got denied, then I also contacted them to three months ago after a mortgage application got denied, then I contacted them about 40 days ago.

All along I had sent them my marriage certificate, my Social Security card with my updated marriage name, my current ID, all in all Ive sent this information about five different times and still my credit profile hasnt been merged and the mistake of the hard inquiries based on the wrong information given has not been corrected Even though my credit card company and apart complex rental payments are reporting to all 3 Bureaus with my date of birth, social security and address They are also not showing it on my credit report Also I have two hard inquiries that all 3 credit Bereau provided the wrong information back to the requesters based on my split profile, they are refusing to remove them.

I did authorize the hard In but the 3 credit Bereaus game the companies requesting the wrong information.

Although I do not have late payments or negative instances on my report. All 3 credit bereaus reduced my credit score from XXXX to XXXX based on my split profile. 


Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
Good day, I got married 8 years ago. I kept the same social security number, same date of birth but changed my last name. 

I updated my social security card with the Social Security administration with my married last name, they kept the same Social Security number for me. 

I changed my last name on my license with the XXXX in my state. 

My marriage certificate has my married last name. 


I contacted all three credit bureaus to let them know that my profile was not accurate. They had two different profiles for me. They had one profile with my maiden name and they had another profile with my married name, even though my Social Security number, date of birth and address where all the same for both profiles.

I contacted them 8 years ago after I had got married, they fixed it then and for some strange reason it reverted back to a split profile. I contacted them two years ago after a credit that I was seeking from XXXX got denied, then I also contacted them to three months ago after a mortgage application got denied, then I contacted them about 40 days ago.

All along I had sent them my marriage certificate, my Social Security card with my updated marriage name, my current ID, all in all Ive sent this information about five different times and still my credit profile hasnt been merged and the mistake of the hard inquiries based on the wrong information given has not been corrected Even though my credit card company and apart complex rental payments are reporting to all 3 Bureaus with my date of birth, social security and address They are also not showing it on my credit report Also I have two hard inquiries that all 3 credit Bereau provided the wrong information back to the requesters based on my split profile, they are refusing to remove them.

I did authorize the hard In but the 3 credit Bereaus game the companies requesting the wrong information.

Although I do not have late payments or negative instances on my report. All 3 credit bereaus reduced my credit score from XXXX to XXXX based on my split profile. 


Thank you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains a fraudulent account that I did not open, authorize, or acknowledge at any point. This reporting is factually incorrect and must be addressed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Removal of Inaccurate Late Payments and Collections under FCRA and FDCPA To Whom It May Concern : I am writing to formally dispute inaccurate and unverified information appearing on my credit reports with your bureaus. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The following accounts are being reported inaccurately : XXXX. XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$160.00} Needs Attention XXXX. XXXX XXXX XXXX Reported XX/XX/XXXX {$630.00} Needs Attention XXXX. Any late payments reported under XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, or other accounts reflected inaccurately. 

My disputes are as follows : These items are either inaccurate, unverifiable, or incomplete. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation within 30 days of receipt of this dispute.

If the furnisher of this information can not provide documented proof that these debts are valid, accurate, and reported in compliance with the law, they must be deleted immediately.

Under 15 U.S.C. 1692g ( b ), if a debt collector can not validate a debt, it may not be reported to any credit bureau.

Continued reporting of unverified or inaccurate information violates 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting information they know ( or should know ) is inaccurate.

I request the complete removal of the above-listed accounts and any associated late payments from my credit file. This includes removal from all three credit reporting agenciesTransUnion, Equifax, and Experian.

Please provide written confirmation of the results of your reinvestigation. If these items are not deleted within the statutory timeframe, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This letter serves as my formal request and dispute under federal law. 

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 explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has been inaccurately reported on my credit file. My records clearly demonstrate that all payments for this account have been made on time, without exception. This inaccurate reporting is causing undue harm to my creditworthiness and does not reflect my actual payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: WA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : ACHIEVE PERSONAL LOANS - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00}

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 explanation
Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] I am not requesting deletion of the account, but I am demanding that the late payment data be immediately corrected or removed from my credit file. You are required by law to conduct a reasonable investigation within 30 days per 15 U.S.C. 1681i, and to correct or delete any information that is inaccurate or unverifiable.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of legal action for willful noncompliance, under 15 U.S.C. 1681n and 1681o.

A copy of my government-issued ID and a recent utility bill are enclosed for identity verification. 
Please send a written confirmation of the outcome of your investigation to the address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: First Technology Federal Credit Union
State: GA

Complaint narrative:
Received a statement in the mail indicating a savings account was opened in my name. The account is in Oregon and I live in Georgia. 

It appeared it was open XX/XX/year>. It is a Federal Credit Union account and was opened with {$5.00}. I sent a letter to the company requesting they close the account, and that it was not mine. 

They, in turn, sent a packet where I have to prove my identity. It included a form for the police, a personal affidavit ( SSN, address, email, phone number, etc ), declarations page, statement of unauthorized transaction ( to be notarized ), a signature page ( to be notarized ) and a XXXX copy of the front an back of my driver 's license. ( Note : I was not comfortable supplying the requested information ). 

I also called the company and requested the requirements needed to open an account. Once account is opened, a picture ID and SSN were required. Interesting to note : when I called the company, a young man answered with an accent leading me to believe he was from XXXX. I was not comfortable with that either. 

The company is legitimate, but I hesitate to send all the information they require. In my opinion, it's too much. That's why I want to go through you. And want to thank you for your assistance in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have noticed errors in the personal information shown on my credit report, and I am formally asking for an investigation to be completed to update and correct them within XXXX 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 2025-08-12 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: CA

Complaint narrative:
I am filing this complaint regarding unvalidated late payment entries that have appeared on my credit record. More than 30 days ago, I sent dispute letters requesting proper validation of these alleged late payments, but I have received no response from the reporting parties. Their failure to provide adequate verification of these negative items violates my rights as a consumer and leaves questionable information affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX/XXXX, Balance : {$130.00}

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 explanation
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
The amount past due represents a specific figure tied to the account 's status and contractual obligations. As such, it should remain consistent across all credit bureaus unless there is a valid explanation for any discrepancy. These variations indicate a lack of accuracy and consistency in the information being furnished.

The reported late payment history reflects an inconsistency in the logical numerical progression of delinquencies. Specifically, the sequence of late payments does not align with how late payment escalations are typically reported over time. This inconsistency raises questions about the accuracy and completeness of the reported information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute a hard inquiries on my credit report. I did not authorize this inquiry, and it was made without my permission. 

Under the Fair Credit Reporting Act ( FCRA ), a credit inquiry requires explicit consent. Since I did not provide such consent, I request that you investigate this matter and remove this unauthorized inquiry from my credit file immediately. 

Please confirm in writing that this inquiry has been removed. 

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 explanation