vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: IN

Complaint narrative:
I am submitting this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related consumer protection laws, to demand the immediate deletion of fraudulent and inaccurate accounts from my credit report as documented in my attached FTC Identity Theft Report. 

Would you like me to expand this into a full opening paragraph that sets the tone firmly but professionally before we list the specific codes and fraudulent accounts?

1692c Restrictions on debt collector communications ( they cant harass or contact without consent when debt isnt yours ).

1681b Permissible purposes of consumer reports ( no unauthorized inquiries allowed ).

1681c Requirements on information excluded from consumer reports ( obsolete/incorrect info must be removed ).

1681i Reinvestigation of disputed information ; credit bureaus must investigate and delete unverifiable/fraudulent items within 30 days.

1681s-2 Duties of furnishers of information to provide accurate data and correct/remove fraudulent accounts.

1681c-2 Identity theft blocks ; requires credit bureaus to block fraudulent accounts after receiving an FTC Identity Theft R
eport.

1681g Consumers right to disclosure of all information in their file.

1681h Conditions and form of disclosure ; free report rights when fraud occurs.

1681j Free credit reports for victims of identity theft.

1681m Duties of users of consumer reports in cases of adverse actions ( e.g., lenders must notify you of reasons for denial ).

1692d Harassment or abuse prohibited.

1692e False, deceptive, or misleading representations ; covers debts reported under your name fraudulently.

1692f Unfair practices ( collecting debts not owed, improper reporting ).

1692g Debt validation rights ; you can demand validation, and they must cease collection/reporting if they can not prove the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the result of fraudulent activity and not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. Specifically, my TransUnion credit file is reporting XXXX fraudulent Truist accounts : XXXX account ending in XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/year>, in the amount of {$10000.00} listed as an unsecured loan, and another account ending in XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/year>, in the amount of {$25000.00} also listed as an unsecured loan. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my TransUnion credit report which I do not recognize and which are the result of identity theft and fraud. These accounts include an unsecured loan opened with XXXX  on XX/XX/year> under account XXXXXXXX XXXX XXXX XXXX XXXX with a {$10000.00} balance and another unsecured loan opened with XXXX  on XX/XX/year> under account XXXXXXXX XXXX XXXX XXXX XXXX  with a {$25000.00} balance. These fraudulent accounts have also resulted in unauthorized hard inquiries and adverse reporting on my FICO credit report. I demand that these items be permanently removed from all of my consumer credit reports and that any related collection activity cease immediately pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-08-20 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: MD

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 : [ DEPT OF EDUCATION/XXXX  ] Account Number : [ XXXX * * * * ] Creditor Name : [ DEPT OF EDUCATION/XXXX  ] Account Number : [ XXXX * * * * ] Creditor Name : [ DEPT OF EDUCATION/XXXX  ] Account Number : [ 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 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
XXXX contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ). 

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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:
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 XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX is attempting to collect on a CBNA account that is already being reported as a charge-off by the original creditor. They have not provided any validation of the debt, including documentation that they are authorized to collect, itemized accounting of the balance, or a copy of the original agreement. 

Until proper validation is provided, XXXX XXXX should not be permitted to continue collection activity or to furnish information to the credit bureaus. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX : Collection attempt letter/notice from XXXX XXXXXXXX. 
XXXX XXXX : Credit report screenshot showing CBNA reporting charge-off monthly with no disclosure of XXXX XXXXXXXX as the collection agency. 

I am requesting that XXXX XXXX cease collection until full validation is provided, and that the CFPB ensure compliance with FCRA and FDCPA requirements. 

CBNA : I am disputing inaccurate reporting of a CBNA account. The account is being reported as a charge-off every single month, which inaccurately extends the delinquency period and makes it appear that new derogatory activity is occurring. A charge-off should only be reported once, not repeatedly. 

Additionally, no collection agency is listed on my credit report for this account, yet I am being contacted separately by XXXX XXXX regarding the same debt. This creates confusion and inaccurate reporting because it is unclear who currently owns or services the account. 

I previously submitted a written dispute to the credit bureaus. The continued monthly charge-off reporting, combined with the lack of transparency regarding the current collector, is misleading and violates the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX : Collection attempt from XXXX XXXXXXXX. 
XXXX XXXX XXXX Credit report screenshot showing CBNA reporting charge-off monthly with no mention of a collection agency. 

I am requesting that this account be corrected or removed if it can not be properly verified.

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 2025-08-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I stopped paying my Military Star Card in XX/XX/XXXX due to financial struggles in our family. My husband, who is XXXX, lost his income, and we did not receive any assistance or help. Instead, I was asked to sign and pay large amounts every month, which we could not afford. 

The collection company they hired, XXXX XXXX, reported my debt in XXXX with an inaccurate balance. They also increased the interest to keep charging me more. When I called them, they told me I owe {$11000.00}, but they could not provide me with any detailed or written breakdown showing how the interest was calculated or when I last made a payment. 

The amount of debt keeps changing, and I would like to ask how they were able to garnish our tax refund without providing us with any order or official letter. They also took a portion of my husbands tax refund, even though he is a veteran and was not part of my debt. My husband had to write the IRS explain why my husband should not be held responsible for this 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 explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: VA

Complaint narrative:
On XX/XX/year>, I faxed a cease and desist letter to Five Lakes Law XXXX requesting that they perform no further actions on my debt settlement account with them and to return the balance of my money to me held by them in the sum of {$2300.00}. I followed this fax up with a telephone call ( I recorded this telephone conversation and advised them of same ) on XX/XX/XXXX and confirmed that I wanted Five Lakes to do no further work on my file. Five Lakes confirmed via an email to me, in part : " We are emailing to confirm that we've canceled your enrollment in our program. '' I was further advised that, " After deducting any outstanding fees, your Dedicaton Account Provider, XXXX, will refund any remaining funds in your Dedicated Account to the bank account we have on file within XXXX business days. '' On XX/XX/year>, I contacted Five Lakes to advise them that I had not yet received the balance due me of {$2300.00}, nearly XXXX  month later and have now been advised that my money will not be returned to me because they paid the balance in my account to my creditors, despite my cease and desist letter, my telephone call, and their confirmation of same. 

Suffice it to say that this is not the first nefarious encounter that I have had with Five Lakes. Their underhanded business practices are exactly the reason I have discontinued their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My account was apart of the XXXX XXXXXXXX data breach.

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 2025-08-20 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: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$730.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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:
am writing to formally dispute and request the deletion of the following inaccurate and derogatory accounts from my credit file pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611. Each of these accounts contains erroneous, inconsistent, unverifiable, or duplicate information. Therefore, they must be removed immediately from my credit reports with TransUnion, Experian, and Equifax 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 2025-08-20 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:
am writing to formally dispute and request the deletion of the following inaccurate and derogatory accounts from my credit file pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611. Each of these accounts contains erroneous, inconsistent, unverifiable, or duplicate information. Therefore, they must be removed immediately from my credit reports with TransUnion, Experian, and Equifax 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 non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> a complaint was filed with XXXX XXXX Credit Card. I am filing this complaint against you because of an unverified debt on my credit report. XXXX  failed to verify the debt in accordance with the Fair Credit reporting Act and has agree to remove it. Please see letter requesting verification of debt, the letter from XXXX XXXX stating they are removing the account from my credit report for CFPB complaint number 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