vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: WA

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 2025-06-05 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: MA

Complaint narrative:
The accounts listed below were not authorized by me, so sure its a result of identity theft. Despite notifying the credit reporting agencies and creditors, these accounts remain on my credit report, which is a violation of federal law. 

Here are the accounts included in my identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpened XX/XX/XXXX XXXX Opened XX/XX/XXXX Under FCRA 605B Section A, A consumer reporting agencies must block reporting of any information alleged to result from identity theft within four business days of receiving a valid identity theft report and appropriate proof of identity.

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 2025-06-05 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: CA

Complaint narrative:
Non-permissible and unauthorized Inquiries, due to : noncompliance of fcra enforced regulations to adhere to requirement of identity verification due to currently active fraud alerts. Reported charge-offs, late payments, wrong addresses, and frivolous investigative results due to : and always verified accurate, and in agreement with creditors ; negative results due to : poor and biased investigation ( XXXX ), ethically challenged investigations practices; resulting in : continuation in regeneratively producing and continues to report inaccuracies of credit reports, fico scores, and ratings due to : mishandled or misleading informatiion, data that is abusive in nature, occurrence, yet negatively utilized on public record and/or personal, public opinion ( 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 2025-06-05 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MD

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 2025-06-05 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: CO

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CT

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 2025-06-05 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$980.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$770.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$17000.00} XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$620.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 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 2025-06-05 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: TN

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$980.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$770.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$17000.00} XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$620.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXXXXe XXXXe ) 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 2025-06-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint to report a creditor and/or consumer reporting agency for failure to properly resolve a billing error dispute and failure to verify the accuracy of late payment reporting, in violation of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

This is a follow-up to a dispute I submitted 35 days ago. As of today, the late payment remains on my credit report without any supporting documentation verifying its accuracy. This dispute is being submitted directly by me, not by any third party.

Background and Legal Basis My original dispute was submitted under the Fair Credit Billing Act, specifically 15 U.S.C. 1666 ( b ), which addresses billing errors including : Failure to properly credit payments ; Clerical or accounting mistakes by the creditor ; Lack of proper advance notice before assessing late fees or reporting late payments to credit bureaus.

No documentation has been provided to support the accuracy of the reported late payment. Under both FCBA and FCRA regulations, failure to respond with sufficient evidence requires deletion or correction of the disputed data. 

Disputed Account Late Payment ( Open ) Creditor : XXXXXX/XX/XXXXXXXX Account Number : XXXXXX/XX/XXXX Nature of Dispute : Late payment reporting that has not been substantiated. 

Violations and Consumer Rights Invoked 15 U.S.C. 1666 ( b ) : Failure to address billing error involving inaccurate late payment.

15 U.S.C. 1681i : Duty to reinvestigate disputed information.

15 U.S.C. 1681e ( b ) : Obligation to ensure maximum possible accuracy of reported data.

15 U.S.C. 1681i ( a ) ( 7 ) : Right to method of verification, including the identity of the furnisher and supporting documentation.

Requested Action I am formally requesting : Full reinvestigation of the disputed account.

Correction of the inaccurate late payment if it can not be verified, mark as paid.

A complete method of verification, including : The name and contact information of the individual or department who verified the payment history ; The documents relied upon to determine the accuracy of the reported late payment.

Escalation Notice As this dispute has remained unresolved past the legal timeframe, I will now escalate the issue by submitting complaints to the following agencies : Consumer Financial Protection Bureau ( CFPB ) XX/XX/XXXX Georgia State Attorney Generals Office If this matter is not resolved promptly and in accordance with federal law, I am prepared to pursue legal action under 15 U.S.C. 1681n and 1681o, which allow for civil liability due to willful or negligent noncompliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
Summary of Issue : I am filing a formal complaint against XXXX XXXX XXXX XXXX ( Macys/CBNA ) for continued reporting of a XXXX debt despite issuing a XXXX, violating the Fair Credit Reporting Act ( FCRA ), IRS regulations, and their own arbitration clause. 

I previously disputed this account ( Macys/CBNA ) with XXXX and XXXX credit bureaus. On XX/XX/XXXX, XXXX issued a Form 1099-C for the amount of {$2500.00}, formally canceling the debt. This cancellation should have legally ended any further reporting or collection activity under : FCRA 623 ( a ) ( 1 ) ( A ) Reporting must be accurate and complete. 
IRS 6050P A 1099-C constitutes cancellation of debt ; continuing to report it as a balance due is materially false.

FCRA 611 and 607 ( b ) Failure to properly reinvestigate or update reporting. 

Despite repeated notices and submission of evidence, XXXX has refused to correct or delete the account. The bureaus are continuing to report the tradeline as charged off with a balance, damaging my credit and ability to access credit, housing, and business funding. 

I also formally elected arbitration, as outlined in XXXX cardholder agreement, in XX/XX/XXXX. I received no response. This constitutes breach of contract under their agreement. 

Attach These Documents : XXXX. XXXX from XX/XX/XXXX ( file : XXXX 's XXXX XXXX XXXX XXXX 1099-c.pdf ) 2. Most recent credit report showing the account still reporting with balance XXXX. Final Dispute + Arbitration Notice Letter ( file : XXXX XXXX Formal Dispute, Election of Arbitration, and Demand for Deletion XXXX ) XXXX. Certified mail proof/delivery receipts XXXX. Prior disputes to bureaus ( optional, already referenced )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 2025-06-05 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: AL

Complaint narrative:
In XX/XX/year>, I submitted formal identity theft disputes under FCRA XXXX ( XXXX U.S.C. XXXX ) to all three credit bureaus. I included a signed FTC Identity Theft Report, my ID, and a written request to block fraudulent accounts, inquiries, and personal information. This was a complete and valid 605B submission.

By law, the bureaus are required to block the disputed items within 4 business days unless they determine the report to be fraudulent. I have solid documentation from XXXX XXXX of them notifying me of the different times my card information was compromised as well as evidence of my information being included in multiple data breaches. I never received any such determination, and yet none of the disputed items have been removed. Instead, I was told that the bureaus are " waiting on the creditor to verify the account. '' This is not how 605B works. Under this statute, consumers are not required to wait for creditor verification ; the bureau must block upon proper documentation. 

Even worse, I am now receiving a wave of stall letters from furnishers, requesting the same FTC Identity Theft Reports and documentation I already submitted to the credit bureaus. These companies are simply buying time while the damage to my credit continues. The result is a frustrating, circular process where no one takes responsibility, and no one complies with the law. 

I took the legal steps required of me. I followed the exact 605B protocol, sent the correct documents, and asked the bureaus to do what federal law requires : block fraudulent information and notify the furnishers. Instead, Im being bounced back and forth between creditors and bureaus, while my credit reports remain unchanged and my rights are ignored. 

This has led to ongoing financial harm, emotional distress, and lost time. I am requesting that the CFPB intervene to enforce FCRA 605B immediately. I want the tradelines and inquiries permanently blocked, the furnishers properly notified, and written confirmation that my identity theft report was received and acted on. 

Consumers shouldnt be forced to relive their identity theft trauma over and over, just because the system is built to delay, deflect, and ignore. I did my part. Its time the bureaus do theirs.

Company response to consumer: Closed with non-monetary relief