vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I noticed accounts that were insufficient and inaccurate. I disputed with all credit reporting agencies and creditors with the information listed on my credit report. I sent the creditor certified letters, and they have yet to respond. Please see all attached information. 

The credit bureaus are not supposed to put anything in my credit file that is not 100 % accurate and verified. The accounts attached are not. Please DELETE

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 2025-06-03 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-03 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: TX

Complaint narrative:
I am formally disputing the inaccurate information reported on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the reporting of accurate information. Your continued reporting of this inaccurate data is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations, including the reporting of inaccurate information. Furthermore, this is also a violation of the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1681b, which regulates the permissible purposes for credit reporting and mandates accuracy in reporting.

Despite my previous disputes, you have failed to correct or remove this information. This is an ongoing violation of my consumer rights, and I demand immediate correction or deletion of the inaccurate data as required by law. Failure to comply with these regulations will result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Subject : Formal Dispute and Demand for Deletion Under UCC, FCRA, and Metro 2 Compliance Identity Theft To Whom It May Concern, I am filing this formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2 ( Section 605B ), which grants me the right to block and remove any information resulting from identity theft. I am also asserting my rights under UCC 3-501 and UCC 1-308 , preserving all rights without prejudice. There are fraudulent accounts being reported on my consumer credit file that I did not authorize, initiate, or benefit from. These entries were made without my written consent, in violation of both FCRA 1681b ( permissible purpose ) and UCC law, which governs the enforcement of unauthorized financial instruments and obligations. Furthermore, I am requesting that the data furnisher and consumer reporting agencies take immediate action to : Delete the inaccurate accounts in full accordance with Metro 2 compliance standards, which require the removal ( not suppression ) of unverifiable and fraudulent data. Block all fraudulent tradelines as outlined in FCRA 1681c-2. Provide me with the method of verification, under FCRA 611 ( 15 U.S. Code 1681i ), showing how this data was verified, by whom, and when if such verification occurred. Confirm in writing that the accounts have been removed from all consumer reporting agencies ( Experian, XXXX XXXX XXXX XXXX, etc. ). As required by law, the CFPB must ensure consumer reporting agencies comply with Metro 2 guidelines and accurate reporting under Regulation V. If this matter is not resolved within the required 30-day timeframe, I am prepared to pursue additional remedies, including complaints to the FTC, State Attorney General, and private legal action for willful noncompliance and damages.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I paid this debt to diversified Adjustments for a XXXX XXXX delinquency on XX/XX/year>. They claim they sent it to the credit bureau for it to be updated on XX/XX/year>. It has updated on my credit to a XXXX dollar balance, and then turns around and goes back on my credit for the {$370.00} that I already paid in full. I disputed it twice already. I have requested receipts from XXXX which is there Online portal and have gotten nothing. I finally got in contact with a quality assurance individual from their company yesterday and they claim that they are going to delete it off the credit report since it keeps coming back on and it is showing paid on their side. They said that they would send me a letter in the mail and they can not send it via email or fax. Every single time I have called this company, they tell me that it is showing paid and closed on their side. I even spoke directly to national fuel and they told me that I overpaid and Im owed of refund. However, at this point it being on my credit and then going off of my credit and then being on my credit again is my biggest concern. I am in the middle of trying to close on a house and this is causing severe issues and I need it fixed immediately. Especially because I paid the account in full and I owe them no more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GFS, Inc.
State: VA

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I request an immediate reinvestigation and removal of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX, Mo XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumers file within XXXX days. I am exercising this right and demanding strict compliance. 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that can not be verified must be deleted from the file of the consumer. Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my wet signature as verification. Anything less is legally insufficient under federal law. Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. YOU ARE HEREBY PUT ON NOTICE : You have XXXX  days from the receipt of this letter to complete a lawful investigation. If this account is not XXXX XXXX  verifiable, or if no documentation bearing my wet signature is produced, the account must be deleted off my account. Thank you for your prompt attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to the law 15 USC 1681s-2 ( c ) ( 2 ) accounts that were charge off can't be in the credit report. Please remove this account from my 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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery has an address attached to my credit file with a debt I NEVER lived at the address!! I Never signed any documents with this company. ( I have no paperwork in my possession with this company where an agreement was made and I didn't give them information )!! They do NOT have my signature on any of their letterheads for their company. I NEVER gave them my social security number, didn't give them permission to access my credit report and NEVER gave my address!! 

The address they put on my credit report themselves XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Where did they get address from because I NEVER lived in XXXXXXXX XXXX my entire life? 

They put my social security information and identity at risk!!! 
Exposing my information to strangers .., this is part of people identities are being taken, getting scam, fraud and so on because of a company like this!! Having someone's personal information without their permission and putting whatever information on their credit report or sharing their information ... put people at HIGH Risk of someone else stealing their whole life. Then you can't even really fix it after the damage is done. 
Instead of paying money for fraud protection... need to do something about companies like this that is GREEDY and will do anything just to get {$1.00}! They need to be shut down!!! All you need is a name and address to get started on creating a new identity that belongs to someone else. They are helping criminals do just that with their business practice!!!! Greedy!!! Get things right or go out of business!!! It's XXXX... very hard to protect your information now and days!!! 

The government is just as equally responsible right along with the criminals because they have the power to set rules and boundaries to protect the people. You guys allow people to do this and then we see all this stuff on the news about someone whole life is stolen through identity theft ; so on and so on. Go for the head and not the tail!!! Once you start with making and changing rules for the big guys then you can catch the little ones!! These companies getting and mishandling the publics personal information in a world where technology is taking over needs to be changed or stop!!! 

Its not right that companies are reporting unfairly to anyones credit report as if youre actually doing business with them when you are not thats fraud! Its lying!! Putting current dates and more ; when youve had no contact with the business or company!! 

If they can get away with that .. let the public do it too!! Not just filling the rich mans pockets!! Then the govt want to have news broadcast and headlines about people not being able to afford anything when you have so many Catch XXXX in the woodworks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX has posted on my equifax report that my account was charged off but I never received a 1099 from them and that I have a balance you cant be charged off and have a balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I attempted to request a removal of the freeze on my clarity report. I repeatedly get an error saying I can not do so as they can not prove my identity. So, I then attempted to get a copy of my report myself and they issued it almost immediately without requiring any identity proof aside from the same I provided to remove the freeze. This report contains ALL of my personal information including bank account, home address, various other accounts and credit reporting information in the sum of XXXX pages. Routing and account numbers for my current accounts. So I have a freeze on it yet am still able to pull it but I can not remove the freeze?? Why would a report be so easy to pull with all of my info but I can't do a simple removal. Makes no sense whatsoever. If anyone had the basic Info i provided they could do so.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: AL

Complaint narrative:
I went through a XXXX my Ex had a credit cards with my name on it which was a Discover card balanceXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX balance isXXXX & XXXX XXXX XXXX XXXX XXXX Balance XXXX for her business, and she stop making payments and it went into collections and I wasn't able to pay the cards back down cause I was busy with lawyers ' fees and other bills also she let me XXXX XXXX XXXX get repo and they sold it and sent me a balance and all of this affected my credit, so I need help I'm a XXXX father starting my life over and one of my biggest goals is to get my credit back positive and debt free so one day I pray i can get approve with no hassle for my son and I a new home great future..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I WILL ATTACH COMPLAINT ON FTC ADDRESS TO XXXX XXXX, SHOWING INACCURATE INFORMATION ON MY CREDIT REPORT. AND WILL ATTACHE XXXX XXXX RESPONSE

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 2025-06-03 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S.C XXXX681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
According to the law 15 USC 1681s-2 ( c ) ( 2 ) accounts that were charge off can't be in the credit report. Please remove this account from my report.

Company response to consumer: Closed with explanation