vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security XXXX ( last XXXX ) : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following credit accounts, collections, and inquiries that I do not recognize as mine : Fraudulent Credit Accounts : XXXX  XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$270.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$680.00} XXXX  XXXX XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$650.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$17000.00} XXXX XXXX XXXX Acct # XXXX XXXX Reported XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Acct # XXXX XXXXXXXX Reported XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance {$0.00} Fraudulent Collections : XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$140.00} Fraudulent Inquiries : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts, collections, and inquiries are the result of identity theft and fraud. They were not opened, authorized, or initiated by me. I do not recognize any of them as belonging to me. 

I have attached : A list of these fraudulent items ( above ), A copy of my consumer FICO credit report maintained by you ( showing these items ), and A copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission. 

I respectfully request that all the aforementioned fraudulent accounts, collections, and inquiries be blocked and removed from my TransUnion consumer credit report within 4 business days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: PA

Complaint narrative:
Found out about collection only after reported negatively on my credit upon investigating XXXX point drop! Called creditor first thing Monday, XX/XX/XXXX, paid it, and asked to speak to Mgr. Rep was not friendly and reluctant to give info. and informed me that it will still be on my report till XXXX even after paid!!! I received email address of XXXX XXXX. Emailed XXXX XXXX on XX/XX/XXXX but received no response. I called back more than once and got that same female rep who seemed intent on not helping me, leaving me feeling like this is racially motivated. I sent attached letter certified and received XX/XX/XXXX, still no response. Received attached payment confirmation via email ( they have this contact info. only since I paid it via credit card ) addressed to XXXX XXXX still without my name on the paid in full acknowledgement. I divorced XXXX 20 years ago and have not lived at XXXX XXXX XXXX XXXX since. Creditor made no attempt to contact me and refused to assist even after I paid XXXX 's debt and explained.

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 2025-09-13 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: VA

Complaint narrative:
Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : Formal Dispute of Inaccurate Address Reporting under FCRA To Whom It May Concern, I am formally disputing the inaccurate and unauthorized addresses that are currently being reported on my TransUnion credit file. Specifically, TransUnion is reporting the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at, used, or been associated with these addresses. Their inclusion on my credit file is erroneous, misleading, and damaging. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate credit file information and to promptly remove unverifiable or inaccurate data : 15 U.S.C. 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy of consumer reports. 

15 U.S.C. 1681i ( a ) : Upon dispute by a consumer, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and delete or correct it within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information can not be verified, it must be promptly deleted from the file.

Because these addresses are not associated with me, I demand that TransUnion immediately delete them from my consumer credit file. Continued reporting of addresses I do not reside at constitutes willful noncompliance with the FCRA and creates misleading and inaccurate impressions about my identity, history, and creditworthiness.

I expect written confirmation within 30 days that these addresses have been permanently deleted from my file. Failure to comply will result in escalation, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and initiating arbitration and/or civil action for statutory damages under 15 U.S.C. 1681n and 1681o

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 explanation
Consumer complaint received 2025-09-13 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: VA

Complaint narrative:
From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian / Equifax / TransUnion Subject XXXX XXXX XXXX XXXX Removal Request Unauthorized/Unverified Inquiries ________________________________________ Notice of Dispute I, XXXX XXXX, am disputing the following inquiries that appear on my consumer credit file. These inquiries were made without my knowledge, consent, or permissible purpose under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ).

Unless you can provide documented proof of authorization, these inquiries must be deleted immediately. 
________________________________________ Unauthorized / Unverified Inquiries Creditor / Company Date of Inquiry Business Type Issue XXXX XXXX  XX/XX/XXXX Auto Financing No authorization XXXX XXXX XXXX XX/XX/XXXX Auto Financing Duplicate / Unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Financing No authorization XXXX XXXX XXXX XX/XX/XXXX Auto Financing No authorization XXXX XXXX XXXX XX/XX/XXXX Finance No authorization XXXX XX/XX/XXXX Bank Credit Card No proof of authorization XXXX XXXXXX/XX/XXXX Finance No authorization ________________________________________ Cease & Desist Demand I demand that you : 1. Provide documented evidence of my authorization for each inquiry listed above. 
2. Remove all unauthorized/unverified inquiries from my credit file within 30 days per FCRA 611 ( a ) ( 6 ).

3. Cease reporting inquiries that can not be validated.

________________________________________ Supporting Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 257 F.3d 409 ( 4th Cir. 2001 ) : CRAs must ensure accuracy and permissible purpose of reported items. 
XXXX XXXX Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) : Reinforces CRA duty to conduct reasonable investigations. 
________________________________________ Relief Demanded If the above inquiries can not be validated, they must be deleted from my consumer credit file. Failure to comply will result in pursuit of remedies under FCRA 616617, including statutory damages, attorneys fees, and injunctive relief. 
________________________________________ Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: AZ

Complaint narrative:
I am disputing fraudulent and inaccurate information on my credit reports. I am a victim of identity theft and human trafficking, and several accounts were opened in my name without my consent. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have already notified the credit reporting agencies and requested removal of these accounts, as well as deletion of old addresses that do not belong to me. I also submitted supporting documents, including an affidavit of truth and my FTC Identity Theft 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 explanation
Consumer complaint received 2025-09-13 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: AZ

Complaint narrative:
I am disputing fraudulent and inaccurate information on my credit reports. I am a victim of identity theft and human trafficking, and several accounts were opened in my name without my consent. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have already notified the credit reporting agencies and requested removal of these accounts, as well as deletion of old addresses that do not belong to me. I also submitted supporting documents, including an affidavit of truth and my FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It has come to my attention my personal information has been exposed in more than one national data breach. Upon reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the credit reporting agencies for validation of the debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information that I am not familiar with. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), any accounts associated with my personal information that I did not authorize or sign a contract for must be deleted from my credit report. Please find attached copies of my government-issued identification, a copy of social security card, proof of address, the FTC complaint XXXX a copy of my XXXX  Data Breach engagement number, a copy of the National Public Data report showing my information being exposed in a data breach, a copy of my Experian Dispute Results Report # XXXX dated XX/XX/year>, a copy of my Experian Credit Report # XXXX dated XX/XX/year>, a copy of my letter to Experian, and a copy of section 605B of the Fair Credit Reporting Act.

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 2025-09-13 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: NM

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Nature of the Complaint : I am filing this complaint directly against [ XXXX  XXXX Equifax XXXX XXXX  ] regarding their continued reporting of an unverifiable and predatory tradeline in violation of the Fair Credit Reporting Act ( FCRA ). 



Details : On XX/XX/year>, I submitted CFPB Complaint ID XXXX against the furnisher ( Ally Financial ) concerning a repossession tradeline. The CFPB confirmed that the company can not respond to this complaint. This refusal to verify constitutes a failure under the FCRA. 

Additionally : XXXX XXXX has never provided the original signed XXXX XXXX XXXX XXXX despite repeated requests. Instead, they continue to recycle altered or partial documents. 
The contract itself contains predatory and deceptive terms, including a clause stating there will never be any unearned finance charges to rebate, which strips consumers of any real benefit of early payoff and violates XXXX in XXXX standards. 
XXXX XXXX has failed to provide required repossession notices, auction paperwork, and deficiency balance calculations. 
Ally has also failed to produce proof of XXXX charge-off filings, even though the account is marked as Profit & Loss Written Off. This contradiction shows the tradeline is inaccurate and misleading.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate.

Since the furnisher can not verify and has explicitly refused to respond through CFPB, [ Experian / Equifax / TransUnion ] is legally obligated to delete this tradeline immediately. Continuing to report it without verification is a willful violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies appearing on my Equifax, Experian, and TransUnion credit reports. These entries include inconsistent reporting across bureaus, unverifiable balances, misleading account status, and potential violations of the Fair Credit Reporting Act ( FCRA ). 
Some accounts are reported as charge-offs without proper IRS documentation XXXX others show conflicting balances or delinquency histories, and at least one repossession account lists inaccurate payment history. These inaccuracies are harming my creditworthiness and misrepresent my financial responsibility. 
XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} Status : Profit and Loss Write-Off/Charge-Off Last Activity : XX/XX/XXXX No Form 1099-C was issued, and the charge-off reporting is misleading and inconsistent across bureaus. 
XXXX XXXX XXXX XXXX Balance : {$24000.00} Status : Charge-Off Last Activity : XX/XX/XXXX No Form 1099-C was issued, and reporting is inaccurate and inconsistent. 
XXXX XXXX XXXXXXXX Balance : {$0.00} Status : Closed/Zerobalance This account continues to be reported as a negative tradeline despite having a XXXX balance. 
XXXX XXXX XXXX XXXX XXXX : {$40000.00} Status : Repossession Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Conflicting balances and delinquency history across bureaus make this account unverifiable. 
XXXX XXXX XX/XX/XXXX Appears without documentation showing permissible purpose or authorization, potentially violating FCRA 604 ( a ) ( 3 ). 
XXXX XXXX XXXX [ insert full account number ] Date Opened : XX/XX/XXXX Reported inaccurately with unverifiable balances and inconsistent information across credit bureaus. 
Applicable Federal Laws : FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum accuracy.

FCRA 611 : Consumers have the right to dispute inaccurate information and request reinvestigation. 
FCRA 623 ( a ) ( 1 ) ( A ) & ( 5 ) : Furnishers must provide only accurate information and update records accordingly.

FCRA 604 ( a ) ( 3 ) : Inquiries require a permissible purpose

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 2025-09-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-13 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: WA

Complaint narrative:
In order to place a credit freeze, XXXX requires : " Please include a readable copy of your Social Security Card, along with a valid Drivers license. ( If the request is for a minor please include a copy of the minors birth certificate, along with a copy of a readable Social Security Card, and a guardian 's valid form of identification. ) Please mail the requested information to the following address : " XXXX Equifax, and XXXX all allow credit freezes after verifying information online. DataX requires people to physically mail a copy of Social Security Cards and Driver 's Licenses.

My complaint is that physically mailing a copy of Social Security Cards and Driver 's Licenses is an unacceptable risk. It is not safe to physically mail a copy of your Social Security Cards and Driver 's Licenses.

I am asking XXXX to place a credit freeze on my account by verifying my information via phone or online instead of physically mailing a copy of my Social Security Card and Driver 's License.

To repeat : I WILL NOT physically mail a copy of my Social Security Card and Driver 's License and I WANT a CREDIT FREEZE. They MUST allow the same options that Experian, Equifax, and Transunion offer, none of which require mailing anything.

Company response to consumer: Closed with explanation