vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: KS

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : LXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
My accounts were sold to a third-party credit debt collecting companies and I keep getting harassed with emails and phone calls urging me to settle with them and I never signed any paperwork with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
The company is reporting a charge-off on my credit report ; however, I have not received a copy of the IRS Form 1099-C, which is required for me to properly report this as income on my taxes. Despite reporting the account as charged off, they continue to report an outstanding balance, which is inconsistent and misleading if a tax benefit has already been taken.

I am formally requesting that the company provide me with a copy of the 1099-C for tax filing purposes. Alternatively, if the debt has not been officially charged off and no 1099-C has been issued, then the credit reporting is inaccurate, and I am demanding the immediate deletion of the tradeline from all credit bureaus.

Failure to correct or validate this information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), and I reserve the right to pursue legal action for the damages caused by this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MO

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified
Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MD

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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of this inaccurate account from my credit report, as I have never authorized or opened this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), all inaccurate, incomplete, or unverifiable information must be promptly corrected or deleted.

This account is erroneous and damaging to my credit standing. Therefore, I demand its immediate removal in compliance with federal 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 explanation
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
Out of nowhere, an unauthorized inquiry appeared on my credit report this morning, and its left me both confused and frustrated. Refreshing my browser didnt fix it, proving its not just a simple glitch. I need this matter looked into immediately by checking the documents Ive already sent so this doesnt keep causing me stress.

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 2025-07-02 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: CA

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for violating the Fair Credit Reporting Act ( FCRA 611 ) by refusing to remove a negative tradeline reported by XXXX XXXX XXXX XXXX, despite multiple formal, notarized disputes where I requested validation and supporting documentation.

I have now disputed this account three separate times by mail, using certified delivery and notarization as suggested by the bureaus themselves. Each time, I requested : A copy of the original signed contract or loan agreement, A breakdown of the full amount owed, with interest and fees, Verification of account ownership and reporting authority, and An explanation of the method of verification used to confirm the accuracy of this tradeline.

Each time, the response from the bureaus was the same : A generic letter stating the account has been verified, and Eventually, a formal refusal to investigate further even though none of my original requests were addressed or fulfilled. 

I have never received a single document or piece of evidence showing the legal basis for this tradeline. If the bureaus can not provide documentation or confirmation of the origin of the debt, they are legally obligated to remove it yet they continue to report this account. 

Because of this derogatory XXXX XXXX tradeline, I have now been denied a new loan for my business, which has had a devastating effect on my operations and financial health. The continued reporting of this account without validation, documentation, or due process has caused serious harm.

I believe the credit bureaus are : Failing to follow FCRA 611 by verifying without documentation, Ignoring the consumers right to a reasonable investigation, And enabling the ongoing reporting of a potentially inaccurate and unverifiable debt. 

This situation is unacceptable. No creditor, regardless of reputation, is above the law and no credit bureau is exempt from their duty to investigate and validate the information they report.

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 2025-07-02 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: CA

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for violating the Fair Credit Reporting Act ( FCRA 611 ) by refusing to remove a negative tradeline reported by XXXX XXXX XXXX XXXX, despite multiple formal, notarized disputes where I requested validation and supporting documentation.

I have now disputed this account three separate times by mail, using certified delivery and notarization as suggested by the bureaus themselves. Each time, I requested : A copy of the original signed contract or loan agreement, A breakdown of the full amount owed, with interest and fees, Verification of account ownership and reporting authority, and An explanation of the method of verification used to confirm the accuracy of this tradeline.

Each time, the response from the bureaus was the same : A generic letter stating the account has been verified, and Eventually, a formal refusal to investigate further even though none of my original requests were addressed or fulfilled. 

I have never received a single document or piece of evidence showing the legal basis for this tradeline. If the bureaus can not provide documentation or confirmation of the origin of the debt, they are legally obligated to remove it yet they continue to report this account. 

Because of this derogatory XXXX XXXX tradeline, I have now been denied a new loan for my business, which has had a devastating effect on my operations and financial health. The continued reporting of this account without validation, documentation, or due process has caused serious harm.

I believe the credit bureaus are : Failing to follow FCRA 611 by verifying without documentation, Ignoring the consumers right to a reasonable investigation, And enabling the ongoing reporting of a potentially inaccurate and unverifiable debt. 

This situation is unacceptable. No creditor, regardless of reputation, is above the law and no credit bureau is exempt from their duty to investigate and validate the information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. - A copy of my Identity Theft Report and proof of my identity. - A copy of section 605B of the F
air Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2025-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Ive gone through identity theft for over a year. An account at Capital One was opened by a fraudster and charges were made that were not paid off. I canceled the card and have submitted many requests saying I did not open the account. Ive tried offering to send in a police report to prove this, but they will not give me an email or portal to submit it and say they dont have a way to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
my information was breached and accounts were opened under my name, I have also included an ftc report

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 2025-07-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I am filing a formal complaint against NISSAN MOTOR ACCEPTANC regarding an unauthorized hard inquiry that appeared on my credit report dated XX/XX/year>. I did not apply for credit or authorize NISSAN MOTOR ACCETANC or any of its affiliates to access my credit report on that date or at any time. Under the Fair Credit Reporting Act ( FCRA ), Section 604 [ 15 U.S.C. 1681b ], a credit reporting agency may only furnish a consumer report under specific circumstances, and a hard inquiry must be backed by a permissible purpose, such as a consumer-initiated credit application. To date, Nissan Motor Acceptance has failed to provide any documentation or evidence that they had a permissible purpose to access my credit file. I believe this inquiry was made without my knowledge or consent, which is a violation of the FCRA. I respectfully request the CFPB to investigate this matter and assist in the removal of this unauthorized hard inquiry from my credit file. This inquiry is negatively impacting my credit score and profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MO

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified
Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-02 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:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified
Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-07-03 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: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation