vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
I am submitting this complaint regarding an XXXX XXXX ( XXXX ) charge-off account that is being reported inaccurately and inconsistently across Equifax, Experian, and TransUnion. I previously submitted disputes in XX/XX/XXXX to XXXX and the credit bureaus, and I am now requesting deletion only not correction based on these facts. 
Specifically : Date of Last Activity : TransUnion : XXXX XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Last Payment Date : TransUnion : XXXX Experian : XXXX Equifax : XX/XX/XXXX Account Number Format : TransUnion & Experian : XXXX XXXX Equifax : Begins XXXX XXXX Reported : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date : TransUnion : XX/XX/XXXX Experian & Equifax XXXX XXXX This proves the information is not accurate or uniform across the three credit bureaus. Per FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), information that is materially inaccurate or unverifiable must be deleted from the consumers filenot merely updated. 
I am expressly requesting deletion of this tradeline from all three credit bureaus. I do not consent to any correction, because the information can not be corrected consistently across platforms and is already damaging my credit profile. 

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 2025-06-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-11 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit : XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXXXXXX XXXX XXXXXXXX XXXX EXPERIAN

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 2025-06-11 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$5700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: AL

Complaint narrative:
I told them to come get the car when they got it they closed my account and sold the car but they never changed the status to the correct closed date they marked it as a profit and loss but never updated the balance from what they sold it for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate payment information being reported on my credit files by Experian, TransUnion, and Equifax concerning my XXXX XXXX account. 

Beginning in XX/XX/year>, I noticed that my XXXX payment history is either not reported at all, reported inconsistently, or marked incorrectly as late. Specifically, some payments are shown as 30 days late, even though I have made all payments on time. 

This reporting error has resulted in damage to my credit score and does not accurately reflect my payment history. I have attempted to resolve this matter directly with the credit bureaus and XXXX, but no corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
These account is not mine. Information on this account is also incorrect and do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
Equifax is reporting inaccurate, outdated, and unverifiable information on my credit report. I properly disputed the items and Equifax failed to reinvestigate, even after verifying my identity multiple times. 



On XX/XX/year>, I submitted a formal dispute to Equifax regarding several inaccurate and unverifiable tradelines. I included a valid government-issued drivers license and a utility bill showing my current address to verify my identity, in full compliance with FCRA 610 ( a ) ( 1 ) [ 15 U.S.C. 1681h ( a ) ( 1 ) ]. 

Equifax responded claiming they needed further identity verification. On XX/XX/year>, I resubmitted the same documents. Despite receiving my ID documentation twice,

Equifax failed to conduct a proper reinvestigation under FCR A 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] and continued to report inaccurate data, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I was also notified by Equifax that my personal data had been compromised in one or more of their prior data breaches. Equifax acknowledged in writing that my personal identifying information was affected. This confirms they already had verified knowledge of my identity making their repeated rejection of my dispute invalid and unlawful. Equifax has had more than enough time and documentation to verify my identity and investigate the disputed information. Instead, they have stalled the process and left inaccurate derogatory information on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-11 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am the victim of identity theft, and fraudulent accounts have been reported under my name. These accounts were not opened by me. In compliance with 15 U.S.C. 1681g, I demand that they be deleted from my credit report within 15 days. I have attached relevant documents as evidence.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I was looking at my credit report and noticed a Collection with no name, no account number, except a collection company. Credence Resource Management and a phone number.. I called and spoke to a agent of my concerns about this collection .. She ask me for my information first, name, address, ssn and a credit card to pull my credit so that she could see what was going on .. I had asked her, Why do I have to pay you for pulling my credit to check what's going on and I asked her how much do I have to pay you .. She said {$25.00} I told her that I'm going to report her, and I asked her was we being recorded, because never should a collection company ask consumers to pull their credit for money .. She didn't even know what was on my credit to solve my problem .. She hunged the phone up in my ears .. This collection isn't my collection .. wrong person..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, a resident of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX, XXXX this XXXX to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed a multiple fraudulent accounts on my report. please remove these from my report as they are hurting my ability to obtain credit.

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 2025-06-11 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax\n\nXXXX XXXX XXXX GA XXXXXXXXSubject: Formal Dispute of Inaccurate Information Pursuant to FCRA  605B (15 U.S.C.  1681c-2)\n\nTo Whom It May Concern, This letter serves as an aggressive formal dispute of inaccurate and erroneous information reported on my credit file in violation of my federally protected rights under FCRA  605B (15 U.S.C.  1681c-2). The following accounts and items must be removed from my credit report immediately:\n\n\n\nThese accounts are listed as a result of fraudulent activity and have no legitimate basis being reported under my personal information. As stipulated by FCRA  605B, you are required to block this information from my report within four business days of receiving this notice.\n\nFailure to act in accordance with the Fair Credit Reporting Act will result in me pursuing all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and seeking damages for noncompliance.\n\nI demand written confirmation of the removal of these accounts from my credit file within the legal time frame. If any additional information is required, I expect immediate communication, as I will not tolerate any delays or excuses for failing to follow federal law.\n\nSincerely, XXXX XXXX XXXXn\nEnclosures: ID, proof of address, SSC, FTC report'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In XXXX, I discovered several accounts reporting on my credit that I did not open. These include XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, and Net Credit. I have submitted identity theft documentation, including an FTC Identity Theft Affidavit, a police report, and proof of my address. I also contacted each company directly and requested removal and investigation, but none have corrected the errors. 
These accounts were either opened without my knowledge, paid in full and closed ( such as XXXX XXXX in XXXX ), or flagged as fraud ( like XXXX  XXXX XXXX ), yet they are still showing as negative. I have disputed them through Experian, but the situation has worsened. 
This is damaging my credit, and I am seeking immediate correction. I am requesting that these accounts be removed from my report entirely due to proven identity theft and misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I had an Apple Card and I realized when I was in XXXX, interest rate was ridiculously high XXXX XXXX so I called and canceled the account so when I canceled the account on my wallet, it got rid of my account number so for the last two months Ive been trying to pay with a balance transfer XXXX XXXX interest credit card to Apple and I keep asking for my account number and they wont supply it. Finally, they said they were gon na send me a letter And it would have the full account number on it. I just got the letter and has last four digits of the card. I need to pay this card off and theyve charged me XXXX XXXX on {$7000.00} or {$7500.00} for the last two months please tell them to give me my account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX XXXX  - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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