vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMAIL : XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Incorrect Personal Address on Credit Report To whom it may concern, I am writing to formally dispute the presence of an incorrect personal address listed on my credit reports with the three major credit bureaus : Experian, Equifax, and TransUnion. 

The following address is being reported in my credit file, but it does not belong to me and is inaccurate : * * Incorrect Address : * * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My correct and current address is as follows : * * Correct Address : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the * * Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ] * *, I have the right to dispute any information on my credit report that is incomplete, inaccurate, or unverifiable. I am requesting an immediate investigation and the removal of the incorrect address from my file. 

Enclosed are the following documents to verify my identity and current address : - A copy of my government-issued photo ID - A utility bill or official document showing my current address Please confirm the completion of the investigation and notify me in writing once the inaccurate address has been removed from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ss : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMAIL : XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Incorrect Personal Address on Credit Report To whom it may concern, I am writing to formally dispute the presence of an incorrect personal address listed on my credit reports with the three major credit bureaus : Experian, Equifax, and TransUnion. 

The following address is being reported in my credit file, but it does not belong to me and is inaccurate : * * Incorrect Address : * * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My correct and current address is as follows : * * Correct Address : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the * * Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ] * *, I have the right to dispute any information on my credit report that is incomplete, inaccurate, or unverifiable. I am requesting an immediate investigation and the removal of the incorrect address from my file. 

Enclosed are the following documents to verify my identity and current address : - A copy of my government-issued photo ID - A utility bill or official document showing my current address Please confirm the completion of the investigation and notify me in writing once the inaccurate address has been removed from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ss : 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 2025-07-24 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: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute multiple unauthorized hard credit inquiries that have appeared on my credit reports across Equifax, Experian, and TransUnion. I have reviewed my credit files and noticed numerous inquiries that I do not recognize, did not authorize, and have no business relationship with the listed creditors. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a hard inquiry may only be made with the consumers express permission or in connection with a legitimate application for credit. I did not authorize the inquiries listed below, nor did I apply for credit with these entities on the dates indicated.

Please see the list of disputed inquiries below : -- - Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these inquiries be thoroughly investigated and removed from my credit reports immediately if no permissible purpose or authorization can be verified. I would also like a written response confirming the outcome of your investigation, along with updated credit reports reflecting the removal of these inquiries. 

Please note that under the FCRA, I have the right to dispute any item on my credit report that I believe is inaccurate or unverified, and the bureaus and reporting creditors are required to conduct a reasonable investigation within 30 days. 

Thank you for your prompt attention to this matter. I am happy to provide any further information or identity verification you may require.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute multiple unauthorized hard credit inquiries that have appeared on my credit reports across Equifax, Experian, and TransUnion. I have reviewed my credit files and noticed numerous inquiries that I do not recognize, did not authorize, and have no business relationship with the listed creditors. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a hard inquiry may only be made with the consumers express permission or in connection with a legitimate application for credit. I did not authorize the inquiries listed below, nor did I apply for credit with these entities on the dates indicated.

Please see the list of disputed inquiries below : -- - Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these inquiries be thoroughly investigated and removed from my credit reports immediately if no permissible purpose or authorization can be verified. I would also like a written response confirming the outcome of your investigation, along with updated credit reports reflecting the removal of these inquiries. 

Please note that under the FCRA, I have the right to dispute any item on my credit report that I believe is inaccurate or unverified, and the bureaus and reporting creditors are required to conduct a reasonable investigation within 30 days. 

Thank you for your prompt attention to this matter. I am happy to provide any further information or identity verification you may require.

Sincerely, 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 explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My TransUnion credit report inaccurately lists " XXXX XXXX XXXX as my employer. I have never worked for this company. This information is false and may negatively affect my credit profile. I contacted TransUnion to dispute this inaccurate employment information, but it has not been corrected. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure all information is accurate and verifiable. I am requesting that TransUnion immediately remove this incorrect employer listing and confirm the correction in writing.

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 2025-07-24 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: AL

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


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

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

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

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

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

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

Company 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 2025-07-24 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital and XXXX XXXX are both reporting what appears to be the same debt. The details are nearly identical, but they list different original creditors ( XXXX vs. Jefferson ), creating confusion and unfairly damaging my credit. I have a fraud alert in place, and this account has not been properly validated despite disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OH

Complaint narrative:
Equifax has false accounts addresses and phone numbers in my name. I am a victim of identity theft I dont have any contract with these businesses. Neither did they provide me with the original contract as I requested I can provide a police report from over 10 years ago. I dont have a contract with these businesses. I am not liable for this false debt in these false accounts. incorrect addresses and phone numbers incorrect bills as in gas bills in my name for addresses I never lived at. I wanted it all off.my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MN

Complaint narrative:
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 Re : Request to Cease Reporting Inaccurate Debt CFPB Complaint Notice To Whom It May Concern, This letter serves as a formal dispute and demand to cease reporting of a negative item you have placed on my credit report. This inaccurate and unverified debt has significantly harmed my credit standing and is directly impacting my ability to obtain housing for myself and my family.

You are currently reporting a debt to the credit bureaus without having provided any prior notice, validation, or consent, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2.

According to 15 U.S.C. 1692g ( a ), a debt collector is required to provide a consumer with a written notice of the debt within five days of the initial communication. No such notice was ever provided to me. Further, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information to a consumer reporting agency must not report any information relating to a consumer that is knownor has reasonable cause to believeis inaccurate.

In addition to these statutory violations, your failure to provide me with proper notice and opportunity to dispute the debt violates established case law, including : Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ) emphasizing the requirement that debt collectors follow the procedural mandates of the FDCPA.

Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) which held that a collector must stop collection efforts when a debt is disputed and can not continue to report the debt without verification.

You have also failed to provide proof that I have any legal obligation to this alleged debt. Without proper validation and my express consent, the reporting of this item is unlawful, deceptive, and constitutes willful noncompliance under 15 U.S.C. 1681n, which may entitle me to actual damages, punitive damages, costs, and attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : [ XXXX ] Email : [ XXXX ] Date : XX/XX/XXXX To : Credit Dispute Specialist Subject : Formal Dispute of XXXX  XXXX XXXX XXXX AccountAccount Name : XXXX  XXXXXXXX XXXX XXXXReport Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal dispute regarding the accuracy and compliance of the XXXX XXXX XXXX XXXX tradeline currently appearing on my credit report dated XX/XX/XXXX. 

I am requesting a full reinvestigation and validation of this account under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Credit Reporting Guidelines.I have reason to believe the account is either : - Inaccurately reported- Incomplete in structure or data- Not in compliance with XXXX XXXX reporting formatPursuant to : - FCRA 1681i ( a ) : Reinvestigation of disputed information within 30 days- FCRA 1681s-2 ( b ) : Furnishers must investigate and correct inaccurate information- FCRA 1681e ( b ) : Maximum possible accuracy- XXXX XXXX  Format : Full compliance required for tradeline dataIf Capital One Auto can not verify this information using original source documentation, the account must be removed immediately.

If not corrected or removed within 30 days, continued reporting constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o and may also violate FDCPA 807 if the reporting is misleading or false.Requested Actions:1. Reinvestigate the XXXX XXXX XXXX XXXX account2. Delete the account if unverifiable3. Provide : - XXXX XXXX data fields ( status codes, ECOA code, etc. ) - Method of verification - Contact information for the furnisherEnclosed are my government-issued ID, proof of address, and a copy of the credit report showing the disputed item.Please respond in writing within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: LA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation