vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against Experian and TransUnion for their continued reporting of inaccurate bankruptcy-related accounts on my credit report and their refusal to remove a XXXX-day blocking under Section 1681c-2 of the Fair Credit Reporting Act. 

Despite my disputes, both credit bureaus claim they have verified the accuracy of the information. However, I have no evidence that the bankruptcy court has provided any verification or confirmation to these agencies. The credit bureaus assertions appear to be based on incomplete or invalid third-party information, which is not compliant with the FCRA. 

Furthermore, I requested removal of a XXXX-day block under Section 1681c-2, but Experian and TransUnion have failed to comply, making excuses and refusing to take appropriate action. 

I request that the CFPB investigate these violations, require Experian and TransUnion to provide legitimate proof of verification from the bankruptcy court, and ensure the immediate removal of the XXXX-day block as required by law. 

Thank you for your assistance.

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 2025-08-16 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: LEXISNEXIS
State: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against XXXX  and XXXX  for their continued reporting of inaccurate bankruptcy-related accounts on my credit report and their refusal to remove a four-day blocking under Section 1681c-2 of the Fair Credit Reporting Act. 

Despite my disputes, both credit bureaus claim they have verified the accuracy of the information. However, I have no evidence that the bankruptcy court has provided any verification or confirmation to these agencies. The credit bureaus assertions appear to be based on incomplete or invalid third-party information, which is not compliant with the FCRA. 

Furthermore, I requested removal of a XXXX-day block under Section 1681c-2, but XXXX  and XXXX  have failed to comply, making excuses and refusing to take appropriate action. 

I request that the CFPB investigate these violations, require XXXX  and XXXX  to provide legitimate proof of verification from the bankruptcy court, and ensure the immediate removal of the XXXX-day block as required by law. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate personal information on my credit reports with XXXX, Equifax, and TransUnion. This includes incorrect names, outdated addresses, and an employer I never authorized to be listed. I have already sent disputes directly to the bureaus with proof of my identity and current address. The bureaus have not corrected the errors. This incorrect personal information is causing confusion and potential identity mix-ups. I am requesting the CFPB to assist in having this information permanently removed.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inaccurate personal information on my credit reports with XXXX, Equifax, and TransUnion. This includes incorrect names, outdated addresses, and an employer I never authorized to be listed. I have already sent disputes directly to the bureaus with proof of my identity and current address. The bureaus have not corrected the errors. This incorrect personal information is causing confusion and potential identity mix-ups. I am requesting the CFPB to assist in having this information permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXalance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXriginal Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the Chase Sapphire Reserve credit card and received a letter dated XX/XX/XXXX saying that my application was denied because of possible identity theft. I called customer service and resolved the issue, my application went through. I received a letter dated XX/XX/XXXX saying that my application got denied because my credit card balances were too high. I did not agree with the decision so I called customer service to ask for a review. Finally on XX/XX/XXXX my application was reviewed, credit was reran, and I was approved. The new XXXX point signup offer began on XX/XX/XXXX but I was only given the XXXX point offer because I had applied before the new offer. I called customer service to dispute this as my account wouldnt have been approved if I hadnt called and asked for it to be reviewed. My credit was ran again on XX/XX/XXXX and approved XX/XX/XXXX and the new account was opened XX/XX/XXXX. 2 days after the new signup offer began. Why wouldnt Chase honor me the new offer that began on XX/XX/XXXX? My credit was reran and application approved after this offer already started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
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 2025-08-16 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
From the time of XXXX until now I had an issue with identity theft from the original company XXXX XXXX XXXX, whom opened two unauthorized accounts in my name. Resurgent, or LVNV Funding LLC bought the debt XXXX XXXX but did not inform me of such debt until XX/XX/2025 then cause my credit to plummet XX/XX/2025 after reporting two collections. Ive done my due diligence to resolve the matter with Resurgent after their investigation they concluded that the debt was mine until I reached out to XXXX  XXXX XXXX to resolve the issue and the resend collection efforts. Later on I folllowed up calling Resugent to ask about the collection accounts and only then did a nice representative tell me my issue was disputed. However, Resurgent did not have the common courtesy to initially send me any confirmation or formal apologies about the inaccuracy of their investigation and that they have removed collection accounts from my report.Their inaccuracy caused instability, emotional turmoil, and time taken to resolve the matter. Also, my credit score has not been fully restored to what it once was, or higher after gaining points despite dealing with the collections that were placed on my account. Even after the removal of the negative impact the collections had on my report it still not what it once was. For example, with XXXX  going for an XXXX only restore to a XXXX which have caused me to miss out on financial opportunities that I wouldve had, had this company not falsely reported the collections on my account. Im sending this formal complaint because of the credit decrease they have cause and not having common courtesy to follow up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: OH

Complaint narrative:
I noticed an inquiry from XXXX XXXX XXXX XXXX on my credit report for XX/XX/year>. I do not recognize this inquiry. I have tried contacting them to remove inquiry from my report but to no avail. I would like this inquiry to be removed immediately as it is preventing me from obtaining new 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 non-monetary relief
Consumer complaint received 2025-08-16 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: AR

Complaint narrative:
I recently pulled my credit reports from Equifax, Experian, and TransUnion and found multiple inaccuracies and unauthorized inquiries. These credit bureaus are reporting items that are : Not accurate Not properly verified Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information is 100 % accurate, verifiable, and timely. They also have XXXX  days to investigate disputes. 

Despite my written disputes sent on XX/XX/year>, these bureaus have continued to report the inaccurate items. Below is a summary of disputed items : Experian : Inquiries/accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX among others. 

TransUnion : Inquiries/accounts from XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX among others. 

Equifax : ( similar issues reflected in the attached Equifax letter ). 

Additionally, these inquiries do not appear to have a permissible purpose as defined by FCRA. The only permissible purposes are : Firm offer of credit Insurance Court order Employment ( with written consent ) None of these apply.

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 2025-08-16 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
You officially on notice that there is errant account ( s ) or incorrect information on the credit report and the items below are now disputed per FCRA 611 ( a ). Your companys references on the credit report are wrong because of the lack of completeness and/or accuracy. FCRA 623 ( b ) ( 1 ) makes it perfectly clear, if the information is not 100 % correct, it must be removed. A response is required by law within XXXX  days of receipt of this letter, or for the item in question to be permanently expunged from the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Failure to respond to MOV within XXXX  days under Under FCRA 611 ( a ) ( 7 ),. Of disputed accounts

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 2025-08-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 explanation