vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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:
There is an account on my credit report that is entirely fraudulent. I did not authorize or open this account, and it has been reported inaccurately under my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 am formally disputing a reported late payment that appears to be inaccurate. After carefully reviewing my records, I can confirm that all payments were made within the agreed-upon timeframes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
These accounts are not mine and were opened without permission ; I request deletion within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am requesting the permanent removal of the inaccurate late payments reported by the following accounts on my TRANSUNION credit report : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX  Account Number : XXXX These accounts were reported with late payments without any prior notice or opportunity to resolve the matter, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

To resolve this matter fairly and lawfully, I ask that : TRANSUNION immediately reinvestigate both disputes under FCRA 1681i ( a ).

Each creditor be required to provide documented proof ( emails, letters, billing statements, etc. ) showing they gave me notice prior to the delinquency being reported.

If the creditors fail to provide proof, TRANSUNION must permanently delete the late payment history from both accounts.

Provide written confirmation of the deletions and send me an updated credit report within 15 business days.

If these terms are not met, I will continue to escalate this issue with the CFPB, FTC, Attorney Generals Office, and if necessary, initiate legal action under FCRA 616.

This request is consistent with my rights as a consumer and reflects a fair and lawful resolution.

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 2025-07-23 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: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: DC

Complaint narrative:
I am requesting the permanent deletion and blocking of the fraudulent inquiries listed below, which were not authorized by me and were previously disputed : 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 XX/XX/XXXX These were the result of identity theft, as supported by the FTC Identity Theft Report XXXX submitted, along with my government-issued ID, Social Security card, and proof of address. I am requesting the credit bureau ( s ) to : Block all unauthorized and fraudulent inquiries as required under 15 U.S.C. 1681c2. 

Provide me with an updated copy of my credit report reflecting these deletions. 

Send me written confirmation that the entries have been permanently deleted and blocked. 

Ensure no reinsertion of these entries unless fully verified with my written consent. 

This is not a dispute over legitimacy its identity theft. Ive provided full documentation. Per FCRA and federal law, these items must be deleted within 4 business days of receiving the identity theft documents. Failure to comply will result in additional complaints with the FTC, CFPB, BBB, and state Attorneys General, and I will explore legal action under FCRA 616. 

I am simply requesting what the law entitles me to : removal of fraudulent data and restoration of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I am writing to formally dispute an incorrect late payment that has been recorded on my credit file. As someone who has always honored my financial obligations on time, this record does not accurately reflect my consistent reliability.

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 2025-07-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
This is a VA One Time Close loan. United Wholesale mortgage and XXXX XXXX XXXX are requesting payment on the loan. This has caused problems with builder being paid putting a stop to work. 

It was reported a week ago that I was in foreclosure for nonpayment. My credit dropped from 798 to low 600 's. 

Secondary fallout has occurred. Other creditors are now penalizing me with higher interest rates and lowering my credit limit. 

I am a business owner, having difficulty renewing my insurance for my personal and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Its troubling to see a late payment reported when Ive always paid on time. Kindly review and delete it

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 2025-07-23 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:
Ive found some suspicious accounts on my credit report that I did not authorize, which may point to identity theft. Ive brought this to your attention before, and Im now formally requesting that these accounts be removed right away. The presence of these accounts has caused a lot of stress and doesnt reflect my actual credit history or financial actions. If necessary, Im ready to take legal steps to protect my rights. These inaccuracies are major barriers to achieving important goals, like purchasing a home and ensuring my familys financial security. I hope this matter can be settled quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/2024 -- {$430.00} XXXX XXXX  XXXX # XXXX XX/XX/2024 -- {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

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 2025-07-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Exto Inc.
State: FL

Complaint narrative:
The company question please to have 5 % cash back on subscription payments. I have included pictures which show that they offer 5 % back on payments for XXXX and XXXX XXXX subscription payments. On their structure XXXX points equal to a dollar. At best I've gotten 1 % back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
You are hereby notified that the items below are being disputed as inaccurate and unverifiable. According to FCRA 609 and 611, you must provide a complete investigation and validation of these accounts within 30 days. If you are unable to do so, you are obligated to delete the entries from my credit report. Please comply promptly to avoid further action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IN COMPANY ) XXXX * * Balance : {$350.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
On XX/XX/year>XXXX  I went online to request a loan for XXXX dollars and I used one of the online brokers to more offers. I got one that you have been approved for XXXX with Blue Chip Financial dba XXXX and I was waiting on the loan agreement to come up to check terms and nothing came up. The next day on the XXXX of XX/XX/year> there was a deposit of XXXX XXXX in my account and still was waiting on loan agreement to sign so because of the need for that money and so I do not get into another financial situation for the XXXX I had to use it. So on XX/XX/year> I got an email saying there is a withdraw of XXXX being withdrawn from my account on XX/XX/XXXX a Monday. So I waited to see if they would because I have had similar emails before and nothing happened. In this case though they did and I called bank to have returned because I am on SSI and my loan would need to be on that time frame. Then on XX/XX/XXXX I got an email from the saying my next payment is due on XX/XX/XXXX another Monday, then they send me a second email rite after the first one and showed payment schedule that I never seen before this and It is set up for every 2 weeks and like I said my primary source of income is SSI once a month. I called them they for some reason could not understand that I did not sign off on this agreement or on the copy of said agreement. So nothing was done about it. Before I do this to contact them again on XX/XX/XXXX to speak with supervisor about this and he could not what I was telling him. He just keeped saying they have my Name, address, phone number, and bank information witch you give to the broker to verify the bank account is real and he said we can not send money unless you agreed to it. I said that is what I am telling you and the copy of loan I had sent to me has no signature on it. I told him I would payback the XXXX in XXXX dollar payments each month at the date of my SSI comes in, he says he can't do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$280.00}

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
An account listed under my credit profile is not mine and was never opened with my consent. This appears to be the result of identity misuse, and I am gravely concerned about its continued presence on 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 non-monetary relief
Consumer complaint received 2025-07-23 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX  {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am disputing the accuracy of an account currently being reported on my credit file. I did not initiate or authorize this account, and it does not reflect any legitimate activity on my part.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-07-23 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:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an incorrect late payment notation. This is inconsistent with my documented history of prompt and reliable payments.

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 2025-07-23 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am filing this complaint because a debt collection agency, Professional Debt ( PROF DEBT ), is currently reporting a debt on my credit file that I have disputed. The alleged debt, associated with the original creditor : XXXX XXXX XXXX  and account number XXXXXXXX XXXX XXXX XXXX XXXX, is being reported with a balance of {$2800.00}. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ) ( 15 U.S.C. 1692g ), I formally requested that the debt collector provide written validation of this debt. 
PROF DEBT ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation