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

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by one or more major credit reporting agencies, specifically Equifax, Experian, and TransUnion. I have submitted disputes regarding negative items listed on my credit report that I believe to be inaccurate and/or unverifiable. Despite exercising my rights under FCRA 1681i and 1681e ( b ), the credit reporting agencies have failed to provide proper verification, such as original signed contracts or adequate reinvestigation results. This constitutes a failure to ensure the maximum possible accuracy of information being reported. Additionally, these same bureaus have experienced large-scale data breaches that may have resulted in compromised consumer data. Given this, I have legitimate concerns that some items being reported may be the result of identity compromise or fraud. Despite submitting disputes, I have not received documentation or sufficient justification for continued reporting of the negative items. Therefore, I believe these credit bureaus are in violation of FCRA and request that the Consumer Financial Protection Bureau investigate and intervene to ensure compliance with federal law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX THE NATURE OF THE DISPUTE - DATA BREACH /inaccurate

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 2025-06-06 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:
I am demanding the immediate deletion of the following charge-off account from my credit report with Equifax. 
The account is reporting inaccurate, outdated, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611, and 623.

I previously requested verification and validation of the account, including signed contracts and complete payment history, which have not been provided within the legally mandated timeframe. 
Since the account can not be verified as accurate and current, I demand that it be immediately deleted from my credit report. 
Please also remove any associated hard inquiries related to the account. 
Account Details Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Failure to comply will result in further complaints to the Federal Trade Commission ( FTC ) and potential legal action for violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am demanding the immediate deletion of the account listed below from my credit report with Equifax. This account is reporting inaccurate, incomplete, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611, and 623.

I previously requested a full investigation and validation of this account, including a copy of a signed contract and complete account records, which has not been provided within the legally required timeframe.

As this account can not be verified in accordance with federal law, I demand the immediate deletion of this derogatory item from my credit report. 
Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX I also demand the removal of any associated hard inquiries and suppression of any related data reporting.

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

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them 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 Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXXXXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXX XXXX CO Date : XX/XX/XXXX XXXXXXXX XXXX Date : 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} INQUIRIES : XXXX XXXX Date : 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 2025-06-06 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: MO

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

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

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 2025-06-06 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: IN

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 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This submission is a supplement to my previous complaint ( XXXX XXXX XXXXXXXX ). 

I am providing new documentation showing I paid {$26000.00} under the lease agreement before being refinanced for over {$38000.00} in XXXX. I believe this supports my claim that the refinancing was abusive and lacked transparency. Please add these documents to my existing case.

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

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-06 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: NY

Complaint narrative:
Complaint Summary : I am filing this complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) specifically Section 605B ( Identity Theft Blocking ) and Section 611 ( Failure to Properly Investigate Disputes ). 

Since XX/XX/year>, I have filed at least five separate identity theft disputes with Equifax regarding a fraudulent account that is not mine. 

With these disputes I have provided all legally required documentation, including : Multiple copies of my FTC Identity Theft Reports Multiple police reports documenting identity theft Drivers license Social Security card Bank statement Telephone and internet bills Written certified letters outlining the fraudulent account and requesting blocking under FCRA 605B Online and mailed disputes Despite this overwhelming evidence, Equifax continues to allow this fraudulent account to be reported. 

During a recorded phone call with Equifax on XX/XX/year>, the Equifax representative admitted : That I have filed at least five disputes on this account Beaides the account being fraudulent, the account lacks Metro 2 compliant information ( no payment history, no valid open/close/charge-off dates, no high balance/credit limit, no last payment date ) That the account is linked to a fraudulent address ( XXXX XXXX ) that I have clearly documented as not connected to me That the creditor provided no proper proof to validate the account under FCRA 605B That Equifax independently determined that the account belongs to me, even though : No creditor evidence was provided Equifax ignored the police reports and FTC identity theft affidavits The account remains non-compliant and unverifiable During this call, the Equifax representative also stated : Even if you speak to my supervisor you will get the same resolution. 
Yes, the account was verified to belong to you. 
We can not stop the creditor from reporting this information. 

This is false under FCRA 605B Equifax has an independent legal obligation to block fraudulent accounts upon receipt of an identity theft report and supporting documents. 



Violations : 1. FCRA 605B Failure to block fraudulent account ( s ) after receiving proper identity theft documentation 2. FCRA 611 Failure to conduct a reasonable reinvestigation 3. Pattern of non-compliance Five separate disputes since XX/XX/year>, with repeated denial despite full documentation 4. Misrepresentation of legal obligations Claiming can not stop the creditor from reporting when Equifax is legally required to block 5. Maintaining materially incomplete/inaccurate tradeline Account lacks all Metro 2 required fields, making its reporting facially invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$960.00}, XXXX XXXX {$4300.00}, Overlnd Bond Balance {$12000.00}, XXXX XXXX  XXXX XXXX {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$960.00}, XXXX XXXX {$4300.00}, Overlnd Bond Balance {$12000.00}, XXXX XXXX  XXXX XXXX {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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:
I am demanding the immediate removal of unauthorized and unverified hard inquiries from my credit report with Equifax. 
Under the Fair Credit Reporting Act ( FCRA ) 604, no hard inquiry may be placed on a consumer 's credit report without the consumers explicit written consent or a legally permissible purpose. 
I previously requested that the credit reporting agency provide proof of authorization for these inquiries in the form of signed applications or written consent, and no such documentation has been provided within the required timeframe. 
These inquiries were not initiated or authorized by me, and therefore, are in direct violation of the FCRA. 

Inquiry Details : Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/year> Company Name : XXXX XXXX XXXXXXXX C Date : XX/XX/year> I demand that these unauthorized and unverifiable inquiries be immediately deleted from my credit report. 
Please confirm this request has been completed within 10 business days, and notify me in writing once these inquiries have been removed.

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

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion 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 NJ XXXX Please delete and block the following accounts from my credit report Accounts UNAUTHORIZECOLLECTION  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX xxxxxxxxx is erroneously reporting this NEGATIVE alleged debt on my equifax credit report in violation of FCRA 623 ( a ) ( 7 ).

I received NO NOTICE from Diversified Adjustment as your agency is most definitely described under the Gramm-Leach - Blilley Act as a FINANCIAL INSTITUTION.

The violation committed by your agency is that you have placed NEGATIVE information on my equifax credit report without notice to the consumer ( ME ) and according to FCRA 623 ( a ) ( 7 ) financial institutions MUST notify consumers when they furnish or have furnished any NEGATIVE information such as delinquent information or any other forms of default.

I demand this alleged debt that is indeed NEGATIVE information be DELETED from my equifax credit report immediately. I never received any NOTICE from your agency and that is a clear violation of FCRA 623 ( a ) ( 7 ). Remove It!!

I humbly apologize regarding my last dispute as it did not apply as your agency sent no texts. 
Delete XXXX XXXXXXXX XXXX XXXXXXXX from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
After 120-180 days and has been turned over to a third-party collection agency to be recovered. The original creditor, such as a credit card company, may have ceased efforts to collect the debt themselves and instead " charged off '' the account, which means they no longer have any hope of recovering the money and are passing the debt on to a collection agency. This also means that the debt will be reported to the credit bureaus as a " collection account, '' which negatively impacts my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$36000.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$36000.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

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

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2500.00} INQUIRIES : 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