vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
Upon reviewing my credit reports with all three bureaus, I see that there is a collection account that has been added to my credit reports. I have no knowledge of this collection account and I have never had an account with the original creditor. This account was opened due to the result of identity theft and my information being exposed in the XXXX Equifax Data Breach. Upon reaching out to the debt collector asking for them to furnish me with the contract bearing my signature they failed to provide me with that information as well as proof of validation. I have reached out to all three bureaus asking for the method of verification as well as the contract of sales bearing my signature and was told that they can not provide me with this information, therefore this collection account needs to be removed immediately due to the failure to conduct a thorough investigation of this account. 
The account listed below needs to be removed immediately : XXXX XXXX XXXX Account # ( Partial ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
Upon reviewing my credit reports with all three bureaus, I see that there is a collection account that has been added to my credit reports. I have no knowledge of this collection account and I have never had an account with the original creditor. This account was opened due to the result of identity theft and my information being exposed in the XXXX Equifax Data Breach. Upon reaching out to the debt collector asking for them to furnish me with the contract bearing my signature they failed to provide me with that information as well as proof of validation. I have reached out to all three bureaus asking for the method of verification as well as the contract of sales bearing my signature and was told that they can not provide me with this information, therefore this collection account needs to be removed immediately due to the failure to conduct a thorough investigation of this account. 
The account listed below needs to be removed immediately : XXXX XXXX XXXX Account # ( Partial ) 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 2025-07-22 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:
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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern

, I am writing to formally request the removal of outdated and inaccurate addresses from my consumer credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609 ( c ) and Section 611 ( a ).

Please remove the following addresses from my credit report, as they are no longer associated with me : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX These addresses are obsolete and inaccurate. My current and only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I demand these outdated addresses be removed immediately to ensure the accuracy of my credit profile. Please provide a reinvestigation summary under FCRA 611 once the deletions are complete. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Formal Request for Reinvestigation and Full Compliance Review under FCRA, TILA, FCBA, FDCPA, and Metro 2 To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( s ) listed below, and a comprehensive review of your reporting under Metro 2 compliance guidelines, including all data fields and condition codes. 

Account Name/Number : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX  XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Nature of Dispute : The Date of Last Activity is inconsistent : XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX Violation of FCRA 607 ( b ) and Metro 2 Field 25 ( inaccurate and misleading reporting of aging ) Dispute Reason : This account shows 100 % on-time payments, but late payment markers appear in other bureaus.

If one bureau reports perfect payment history while others show late payments, this is an inconsistency that violates Metro 2 guidelines.

The creditor must validate these missed payments or delete this account.

The payment history is missing : Transunion and Experian shows No History Available Violation of Metro 2 reporting standards ( field omission reduces transparency and accuracy ) The charge-off date is suspiciously aged : Last activity in XXXX vs. XXXX may indicate artificial account extension Possible violation of FCBA and TILA, which govern aging and accurate charge-off practices.

This may indicate either : The debt is unverifiable and thus omitted by other CRAs.

The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On or about XX/XX/year>, my company was a victim of identity theft. A business line of credit with American Express XXXX XXXX was established in the name of XXXX XXXX XXXX, XXXX without my knowledge. The amount that I have been told that was submitted for a line of credit is {$77000.00}. I was not aware of this debt until I started getting phone calls from American Express requesting payments. I have never received anything by mail concerning this debt. I was told on the phone that it was a loan for 3 months and was to be paid by the end XX/XX/year>. I have talked with American Express Fraud Department, and I have filled out an ID theft affidavit and started proceedings to get this resolved. At this time, I have only ever had an American Express credit card in my business name and never any other account with American Express. Any help with this matter would be much appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-22 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-22 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 dont recognize these inquiries. They might be fraudulent. Please resolve the issue and review the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
NEW CITY FUNDING CORP XXXX POTENTIALLY NEGATIVE MONTHS Balance details 47 % paid off Balance {$3300.00} Balance updated XX/XX/XXXX Original balance {$6200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am writing in response to the companys resolution provided to the Consumer Financial Protection Bureau. I am not satisfied with their response and request that this matter remain open for further investigation and resolution. 



I previously disputed the following accounts, which are inaccurately reported on my credit file and remain unresolved : XXXX XXXX Account Number : XXXX Balance : {$2000.00} Original Creditor : XXXX XXXX XXXX. 
XX/XX/XXXX Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX  XXXX Apartments XXXX XXXX Account Number : XXXX Balance : {$610.00} Original Creditor : XXXX Bank I have disputed these accounts multiple times with the credit reporting agencies, and yet they remain without proper validation or correction. Under the Fair Credit Reporting Act ( XX/XX/XXXX), I have the right to accurate and verifiable information on my credit report. The responses I have received either lacked sufficient documentation or failed to address my concerns altogether. 



I am requesting that the CFPB continue to investigate this matter. I ask that the company provide proper validation of the debt, including but not limited to : A copy of the original signed contract A full payment history Proof of legal ownership or assignment of the debt Explanation of how the debt amount was calculated Method of verification in full explaination Thank you for your continued support in helping to protect my consumer rights.

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 2025-07-22 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: NJ

Complaint narrative:
After conducting a personal review of my financial records, I have found that a late payment appearing on my credit report is in error. I have documented proof that my payments during this time were made within the required timeframe.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is incorrect or outdated personal information listed on my credit report. There are addresses that I have never lived at or belong to a relative. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX My credit report also lists several variations of my name. My accurate name is : XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There is incorrect or outdated personal information listed on my credit report. There are addresses that I have never lived at or belong to a relative. My current address is : XXXX XXXX XXXX, XXXX XXXX XXXX My credit report also lists several variations of my name. My accurate name is : 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 2025-07-22 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:
A late payment doesnt align with my history. I request its removal to reflect my true payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Identity theft, freezed account at experian. Someone unfreezed it and changed the associated phone number and email. Attempted to reach experian multiple times and unable to get anyone on the phone to assist.

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 2025-07-22 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 2025-07-22 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 2025-07-22 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: NC

Complaint narrative:
I recently reviewed my credit report and found unauthorized hard inquiries that are inaccurate and harmful to my credit profile. I did not apply for any new credit during the dates these inquiries occurred.

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 2025-07-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Student Loan Information Under FCRA, FERPA, and Metro 2 To Whom It May Concern, I am writing to formally dispute inaccurate and potentially non-compliant student loan information currently being reported on my Equifax credit report.

The following accounts appear to be reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681s-2 ), Metro 2 compliance standards , and the Family Educational Rights and Privacy Act ( XXXX ) : DEPT OF EDXXXX multiple student loan tradelines with similar details, High Credit : {$1700.00} {$3500.00} XXXX XXXX transferred/sold, fragmented entries with inconsistent dates XXXX XXXX XXXX XXXX XXXX no activity since XX/XX/XXXX XXXX still reporting These accounts are : Reporting duplicate or fragmented tradelines Showing outdated or incorrect last activity dates Lacking verification of educational relationship and authorization under FERPA Potentially re-aged or inaccurately updated Under 15 U.S.C. 1681s-2, furnishers must report accurate and complete data, and you are required to investigate and delete any unverifiable or inaccurate information.

Please conduct a reinvestigation, and if the furnishers can not v
erify the data in compliance with federal law and Metro 2, I respectfully request permanent removal of the accounts from my credit file.

Enclosed are copies of my ID and supporting documentation. 
Please respond within 30 days as required by law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
This late charge doesnt reflect my true payment behavior. I request a prompt correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
Ive never seen these inquiries beforethey appear unauthorized. Please investigate and correct the issue.

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 2025-07-22 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation