vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : This account is a result of XXXX XXXX which is identity theft. 
FRAUDULENT INQUIRIES : XXXX  - XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
Subject : FORMAL COMPLAINT FCRA Violations by XXXX, XXXX, and Equifax Regarding XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  I am filing this formal complaint to report blatant and repeated violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, and Equifax in relation to the reporting of a closed credit card account from XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX  ). These agencies have reported conflicting, inaccurate, and misleading data that continues to damage my credit profile and violate federal law. 



THE FACTS : This is a single closed and paid credit card account reported by all three bureaus, yet the details are wildly inconsistent and legally problematic : 1. Payment Status Conflicts XXXX  falsely reports a Late 60 Days status XXXX  and Equifax correctly show Current The account is paid and closed with a {$0.00} balance there should be no delinquency reporting at all Violation : FCRA 607 ( b ) Accuracy ; 605 ( a ) ( 5 ) Obsolete Adverse Info 2. Credit Limit Misrepresentation Equifax reports the credit limit as {$0.00} XXXX  and XXXX  report {$1000.00} Misreporting a {$0.00} limit artificially increases my utilization rate and harms my credit score Violation : FCRA 607 ( b ) 3. Date Opened & Reported Conflicts Opened : XX/XX/XXXX ( XXXX, XXXX ) vs. XX/XX/XXXX ( XXXX  ) Last Reported : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ) These inconsistencies have real scoring impact Violation : FCRA 607 ( b ) 4. Reporting Late Payments on a Closed Account The account was last paid in XXXX and has a {$0.00} balance XXXX  60 Days Late reported in XXXX is deliberately misleading or re-aged Violation : FCRA 605 ( a ), 607 ( b ), and potentially 623 if reported by furnisher WHY THIS MATTERS : I have attempted to resolve these errors through disputes with the bureaus but instead of corrections, theyve continued to publish inconsistent and false data, in clear violation of federal law. These agencies are required to ensure maximum possible accuracy under 607 ( b ), and their failure to do so is causing measurable damage to my financial profile.

I DEMAND THE FOLLOWING : 1. A full-scale investigation by the CFPB into how and why this single account is reported with so many conflicts 2. Immediate enforcement action compelling XXXX, XXXX, and Equifax to : Permanently remove or correct all false payment history Ensure that the credit limit and account open date are uniform and factual Cease all reporting of delinquency on a paid, closed account 3. Confirmation of compliance within the appropriate legal window

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX 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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Remove these accounts immediately I called XXXX XXXX XXXX AND THEY WERE AS CLUELESS AS ME WITH MY PERSONAL INFORMATION I DID NOT AUTHORIZE OR OPEN OR CONTACT OR EVEN GOT ANY LETTERS OR CONTACT FROM NONE OF THESE FRAUDULENT COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX | XXXX To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all fraudulent collection accounts associated with XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX. These accounts were opened or reported without my knowledge, consent, or authorization, and are the result of identity theft. 

I did not open, agree to, or benefit from any of these accounts, and their presence on my credit report is inaccurate, damaging, and unlawful. I request prompt deletion from all consumer reporting agencies in compliance with the FCRA and all applicable federal laws. 

Sincerely, 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 explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
Remove these accounts immediately I called XXXX XXXX XXXX AND THEY WERE AS CLUELESS AS ME WITH MY PERSONAL INFORMATION I DID NOT AUTHORIZE OR OPEN OR CONTACT OR EVEN GOT ANY LETTERS OR CONTACT FROM NONE OF THESE FRAUDULENT COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX | XXXX To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all fraudulent collection accounts associated with XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX. These accounts were opened or reported without my knowledge, consent, or authorization, and are the result of identity theft. 

I did not open, agree to, or benefit from any of these accounts, and their presence on my credit report is inaccurate, damaging, and unlawful. I request prompt deletion from all consumer reporting agencies in compliance with the FCRA and all applicable federal laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : * -- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX has accounts showing on my credit report that I have no knowledge of. I am a victim of fraud and have been dealing with nonsense for over 15 years now. I was sued by XXXX XXXX XXXX XXXX XXXX back ion XXXX and I won that case. I have court documents to prove the case was dismissed with prejudice. I am not sure where this large amount of student loan debt came from that XXXX XXXX is reporting to credit agencies. I have disputed this several times and nothing changes. My credit is ruined because of this. I have never been contacted whatsoever by XXXX XXXX, and this never appeared on my credit until after the case was resolved in XXXX XXXX XXXX Superior Court. I know XXXX XXXX is supposed to be private loans and XXXX XXXX is federal loans but I do not owe these loans, I have no knowledge of these loans. And I was just made aware today that the loans show repayment date of XX/XX/XXXX. The age of debt dropping off your credit in XXXX is 7 years, this is now over 10 years and it also shows payments were made. I have never ever made any type of payments on these. I have no knowledge of any of it. Nor have I ever had any dealings with XXXX XXXX. Please stop these corrupt companies. I want this off my credit and want all the points lost on my credit score. This is insane how these companies violate consumers rights and there is no recourse for any of it. They have caused me tremendous damage and I will never recover and they get to go on with their corrupt business practices. They are allowed to update on credit reporting agencies to basically renew a debt so the time does not run out. How is that legal/ lawful when the time allotment is 7 years, not renew before time expires.

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 2025-08-07 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: NY

Complaint narrative:
XXXX XXXX has accounts showing on my credit report that I have no knowledge of. I am a victim of fraud and have been dealing with nonsense for over 15 years now. I was sued by XXXX XXXX XXXX XXXX XXXX back ion XXXX and I won that case. I have court documents to prove the case was dismissed with prejudice. I am not sure where this large amount of student loan debt came from that XXXX XXXX is reporting to credit agencies. I have disputed this several times and nothing changes. My credit is ruined because of this. I have never been contacted whatsoever by XXXX XXXX, and this never appeared on my credit until after the case was resolved in XXXX XXXX XXXX  Superior Court. I know XXXX XXXX is supposed to be private loans and XXXX XXXX is federal loans but I do not owe these loans, I have no knowledge of these loans. And I was just made aware today that the loans show repayment date of XX/XX/XXXX. The age of debt dropping off your credit in XXXX is 7 years, this is now over 10 years and it also shows payments were made. I have never ever made any type of payments on these. I have no knowledge of any of it. Nor have I ever had any dealings with XXXX XXXX. Please stop these corrupt companies. I want this off my credit and want all the points lost on my credit score. This is insane how these companies violate consumers rights and there is no recourse for any of it. They have caused me tremendous damage and I will never recover and they get to go on with their corrupt business practices. They are allowed to update on credit reporting agencies to basically renew a debt so the time does not run out. How is that legal/ lawful when the time allotment is 7 years, not renew before time expires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
XXXX XXXX has accounts showing on my credit report that I have no knowledge of. I am a victim of fraud and have been dealing with nonsense for over 15 years now. I was sued by XXXX XXXX XXXX XXXX XXXX back ion XXXX and I won that case. I have court documents to prove the case was dismissed with prejudice. I am not sure where this large amount of student loan debt came from that XXXX XXXX is reporting to credit agencies. I have disputed this several times and nothing changes. My credit is ruined because of this. I have never been contacted whatsoever by XXXX XXXX, and this never appeared on my credit until after the case was resolved in XXXX XXXX XXXX  Superior Court. I know XXXX XXXX is supposed to be private loans and XXXX XXXX is federal loans but I do not owe these loans, I have no knowledge of these loans. And I was just made aware today that the loans show repayment date of XX/XX/XXXX. The age of debt dropping off your credit in XXXX is 7 years, this is now over 10 years and it also shows payments were made. I have never ever made any type of payments on these. I have no knowledge of any of it. Nor have I ever had any dealings with XXXX XXXX. Please stop these corrupt companies. I want this off my credit and want all the points lost on my credit score. This is insane how these companies violate consumers rights and there is no recourse for any of it. They have caused me tremendous damage and I will never recover and they get to go on with their corrupt business practices. They are allowed to update on credit reporting agencies to basically renew a debt so the time does not run out. How is that legal/ lawful when the time allotment is 7 years, not renew before time expires.

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-08-07 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: MO

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-08-08 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : FCRA and FDCPA Violations - Navy Federal Credit Union Account Numbers : XXXX ( Checking ), XXXX ( Savings ) Access Number : XXXX To Whom It May Concern : I am filing this formal complaint against Navy Federal Credit Union for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding improper account closure procedures and potential adverse credit reporting. 

ACCOUNT CLOSURE VIOLATIONS UNDER 15 U.S.C. 1681s-2 Navy Federal Credit Union has maintained accounts with XXXX balances for extended periods while simultaneously claiming minimum balance requirements under federal credit union bylaws. The institution failed to provide proper notification procedures for account closure and has not established reasonable procedures to ensure accuracy of any furnished information to consumer reporting agencies. 

The account statements reveal systematic violations of FCRA Section 1681s-2 ( a ) regarding responsibilities of furnishers of information. The credit union has failed to provide reasonable procedures to assure maximum possible accuracy in any reporting of account status, closure circumstances, or related negative information. 

DEBT VALIDATION FAILURES UNDER 15 U.S.C. 1692g Any collection efforts related to account fees, closure costs, or negative balances have proceeded without proper debt validation procedures required under FDCPA Section 1692g. The institution has failed to provide the mandatory validation notice, specific amount allegedly owed, and dispute rights disclosure within the initial communication. 

INACCURATE REPORTING VIOLATIONS UNDER 15 U.S.C. 1681i If Navy Federal Credit Union has reported adverse information related to these accounts, such reporting violates FCRA accuracy requirements. The circumstances surrounding account maintenance, minimum balance enforcement, and closure procedures demonstrate systematic procedural deficiencies that render any credit reporting inherently inaccurate and unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$44000.00}

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