vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 * Fraudulent Accountsee attached document These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-14 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: MD

Complaint narrative:
Violated the following - Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681b, 1681g, 1681s-2 ( b ) - Uniform Commercial Code UCC 1-308 , UCC 1-103 - Identity Theft Enforcement 18 U.S.C. 1028A I have submitted multiple lawful disputes to credit reporting agencies, including Experian, TransUnion, and Equifax, regarding inaccurate, unverifiable, or fraudulently furnished accounts. These disputes were either ignored, improperly handled, or met with unlawful tactics such as : - Account suspension without cause ( TransUnion ) - Improper reclassification of my dispute as an identity theft issue ( Experian ) - Failure to delete unverifiable information. Experian attempted to reclassify consumer lawful dispute as identity theft to shift the burden, in violation of 15 U.S.C. 1681i and 1681s-2 ( b ). These acts constitute willful noncompliance and a violation of federal law. Also Equifax had a breach that effected my credit across all three bureaus. 3 different certied mailed letters have beem sent out to all three bureaus on 3 different dates and still no real investigation like I asked. Only intimidation tactics and trickery. No original contract for XXXX or any other account. They continue to add and erase remarks which has beem damaging to my character and my right to trade in commerce.

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 2025-08-14 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- - Date Opened : XX/XX/year> XXXX  XXXX # XXXX -- - Date XXXX XXXX  # XXXX -- - Date XXXX XXXX XXXX  # XXXX -- - Date XXXX XXXX # XXXX -- - Date XXXX XXXX & XXXX XXXX  # XXXX -- - Date XXXX XXXX  XXXX  # XXXX -- - Date XXXX XXXX  XXXX XXXX # XXXX -- - Date XXXX XXXX  # XXXX -- - Date XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-08-14 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- - Date Opened : XX/XX/year> XXXX  XXXX # XXXX -- - Date XXXX XXXX  # XXXX -- - Date XXXX XXXX XXXX  # XXXX -- - Date XXXX XXXX # XXXX -- - Date XXXX XXXX & XXXX XXXX  # XXXX -- - Date XXXX XXXX  XXXX  # XXXX -- - Date XXXX XXXX  XXXX XXXX # XXXX -- - Date XXXX XXXX  # XXXX -- - Date XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-08-14 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-14 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-14 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: NC

Complaint narrative:
To Whom this may concern, I submitted a complaint to Experian on or around XX/XX/year> involving a dispute and attest request for validation of certain information that has been reported on my consumer credit report by a Third Party debt buyer entity that goes by the name oXXXX XXXX XXXX XXXX. Under the Federal Fair Credit Reporting Act 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), consumer demands the method of verification and an in-depth description of the procedure. Consumer demands copies of all documentation rendered in your investigation that proves the information is reporting accurately. I received a letter from Experian stating that the requested information was verified as accurate when i specifically requested validation. Experian never sent me any documentation required under federal law per FCRA. I received no method of validation. I was not informed of who verified and validated the information in affidavit form signed under penalty and perjury. Experian never sent me any documentation proving that their investigation provides a valid contract between XXXX XXXX XXXX and XXXX XXXX. I never received any copy of court order proving that there was any lawful judgment rendered upon me without proper due process of law. Experian has violated my consumer rights as well as FCRA by not doing a proper and lawful reinvestigation into the matter. I demand a lawful reinvestigation on the requested information otherwise I will be forced to file suit against your agency. Experian is not a government agency only a private corporation that holds no authority to publish adverse inaccurate information about consumers without our consent. Experian sells our personal information which is considered human trafficking and identity theft. 
Once again if XXXX XXXX XXXX can not provide Experian with a valid contract and not evidence of debt, proving that XXXX  XXXX XXXX provided XXXX XXXX with a service in exchange for the amount alleged I owe, Experian must Delete information immediately f XXXX XXXX XXXX can not prove that this debt hasn't been derecognized or credited to the original creditor then Experian must Delete account immediately. If Experian does not provide XXXX XXXX with requested information then it shall be a fact that Experian and XXXX XXXX XXXX are indeed conspiring against. I have provided Experian and XXXX  XXXX XXXX all the laws that back up my claim and prove that this isn't a recognized debt that can be collected upon.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
Inaccurate collection account being reported. Balance inaccuracies, Date inconsistencies, and Payment status contradictions.

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 2025-08-14 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: GA

Complaint narrative:
Inaccurate collection account being reported. Balance inaccuracies, Date inconsistencies, and Payment status contradictions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Experian has failed to remove or block fraudulent accounts from my credit file as required by law. The following accounts in question include 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. These accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Experians refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re inserting account without proper notice. This failure has caused me emotional distress, financial harm, and wasted time. For further evidence I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-14 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Contacted a family member through electronic message and gave out personal and private information associated with a debt, they gave in writing my account numbers associated, amount owed, originator of debt, did not contact the third party to ask lawful questions.

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 2025-08-14 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Liberty Career Finance, LLC
State: OH

Complaint narrative:
Went to cdl school was promised if I stayed with company for one year the company would pay half of my loan now the company has put this on my credit report now I can not get auto loan or anything I can not move on with my life

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00}

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