vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/XXXX, Equifax XXXX. XXXX XXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXXXXXX XXXX NOTE : Please also remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Attached : Copy of my Social Security Card & Drivers License is attached Sent : USPS Certified Mail Take these cards down to your copy center and make clear copies of both on one sheet. 
They must be legible or else the credit bureaus will reject them. 






COPY of SSN CARD COPY OF ID CARD ( Drivers License, Passport or State ID Card )

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 2025-07-21 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:
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 2025-07-21 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: VA

Complaint narrative:
To whom it may concern : I am writing regarding the alleged debt associated with Account # XXXX. On XXXX XX/XX/year> to XXXX XXXX XXXX. 

, I formally requested full validation of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To date, you have failed to provide complete and proper documentation necessary to legally validate this debt. As a reminder, proper validation must include : 1. A copy of the original contract bearing my signature with the original creditor.

2. The full name and address of the original creditor.

3. A detailed breakdown of the amount claimed, including principal, interest, fees, or any other charges. 
XXXX. Proof that your agency is legally authorized to collect on this debt. 
XXXX. A contract signed by me directly with XXXX XXXX XXXX, if such an agreement exists. 
Due to the lack of sufficient documentation, I reiterate that I do not recognize this debt and do not acknowledge any responsibility for it. Therefore :

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 2025-07-21 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 never opened these accounts. Please ensure they are removed from my credit file within 15 days as per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/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 2025-07-21 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: MD

Complaint narrative:
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/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 2025-07-21 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: VA

Complaint narrative:
Experian has refused to investigate a public record bankruptcy currently listed in my credit file, citing 'DISPUTED ITEM NOT LISTED ON CREDIT REPORT. ' This is a violation of FCRA 611 and 609. I am demanding a full reinvestigation and proof of the source of this record, including court verification, under FCRA 611 ( a ) ( 2 ). If this item is not in my credit file, please provide documentation stating its complete removal from both public record and soft/hard inquiry data.

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 2025-07-21 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 did not open or authorize these accounts and suspect fraudulent behavior. I request their immediate deletion from my report and a proper investigation. Enclosed is evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: KY

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
I recently looked at my credit report from Equifax and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt. 

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report. 
Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act. 
It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 


ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-07-21 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: NC

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-07-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Removal of Inaccurate Charge-Off / Vehicle Not Repossessed Account # XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan charge-off associated with account number [ XXXX XXXXXXXX ]. This charge-off is being reported on my credit file by your organization and is currently harming my credit profile. 

While I understand the account may have become past due at some point, I would like to make it clear that the vehicle in question was never repossessed, nor was it voluntarily surrendered. Despite this, it appears your organization has charged off the account without reclaiming the collateral ( the vehicle ) or providing any formal documentation or lawful notification of your intent to collect the asset. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate re-investigation and correction or deletion of this inaccurate or incomplete charge-off record. If the vehicle remains in my possession and was never picked up, the account status may be inaccurately reflected or improperly handled. 

Please provide the following in writing within the required 30-day period : - A detailed explanation of the charge-off entry - Documentation verifying all collection efforts and notifications - Clarification on the status of the vehicle, and if/when repossession was initiated If no such documentation can be provided, I am requesting that the entry be fully removed from all credit reporting agencies to which it was submitted. 

If this matter is not resolved, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office, and may seek legal remedies under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Removal of Inaccurate Charge-Off / Vehicle Not Repossessed Account # XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan charge-off associated with account number [ XXXX XXXXXXXX ]. This charge-off is being reported on my credit file by your organization and is currently harming my credit profile. 

While I understand the account may have become past due at some point, I would like to make it clear that the vehicle in question was never repossessed, nor was it voluntarily surrendered. Despite this, it appears your organization has charged off the account without reclaiming the collateral ( the vehicle ) or providing any formal documentation or lawful notification of your intent to collect the asset. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate re-investigation and correction or deletion of this inaccurate or incomplete charge-off record. If the vehicle remains in my possession and was never picked up, the account status may be inaccurately reflected or improperly handled.

Please provide the following in writing within the required 30-day period : - A detailed explanation of the charge-off entry - Documentation verifying all collection efforts and notifications - Clarification on the status of the vehicle, and if/when repossession was initiated If no such documentation can be provided, I am requesting that the entry be fully removed from all credit reporting agencies to which it was submitted. 

If this matter is not resolved, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office, and may seek legal remedies under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Removal of Inaccurate Charge-Off / Vehicle Not Repossessed Account # XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan charge-off associated with account number [ XXXX XXXXXXXX ]. This charge-off is being reported on my credit file by your organization and is currently harming my credit profile. 

While I understand the account may have become past due at some point, I would like to make it clear that the vehicle in question was never repossessed, nor was it voluntarily surrendered. Despite this, it appears your organization has charged off the account without reclaiming the collateral ( the vehicle ) or providing any formal documentation or lawful notification of your intent to collect the asset.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate re-investigation and correction or deletion of this inaccurate or incomplete charge-off record. If the vehicle remains in my possession and was never picked up, the account status may be inaccurately reflected or improperly handled. 

Please provide the following in writing within the required 30-day period : - A detailed explanation of the charge-off entry - Documentation verifying all collection efforts and notifications - Clarification on the status of the vehicle, and if/when repossession was initiated If no such documentation can be provided, I am requesting that the entry be fully removed from all credit reporting agencies to which it was submitted. 

If this matter is not resolved, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office, and may seek legal remedies under the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/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 2025-07-21 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief