vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
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 : 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, CA XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX L Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-06-23 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: MO

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

1681c-2 ) that you, the XXXX  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 : 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 XXXXXXXX XXXX XXXXXXXX MO XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00}

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 2025-06-23 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-23 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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Formal Complaint to the CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conservator of the Private Estate XXXX  [ XXXX XXXX XXXX XXXX ] [ XXXX, NC ] [ ZIP ( XXXX ) ] [ XXXX ] | [ XXXX ] XX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : FORMAL COMPLAINT FRAUDULENT CREDIT REPORTING & IDENTITY MISUSE Greetings, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and rightful Conservator of My Private Estate , hereby submit this formal complaint regarding unauthorized and fraudulent reporting and identity misuse negatively affecting My Estate . 

Without My expressed consent or verified agreement, third-party agencies including Equifax, Experian, and TransUnion have recorded and disseminated falsified and harmful credit information. These acts constitute a violation of : - The Fair Credit Reporting Act ( FCRA ) - Identity Theft laws under 15 U.S. Code 1681c-1 - The Truth in Lending Act ( TILA ) - UCC 1-308 / UCC 3-501 - My inherent rights as a XXXX XXXX XXXX Fraudulent credit inquiries and identity-based misusepotentially originating from telecommunications or financial networkshave resulted in injury to My Estate and the mischaracterization of My Unlimited Excellent Credit standing. 

As Conservator of My Estate, I have never authorized such acts and demand : 1. A full investigation of all unauthorized credit reporting and identity use ; 2. Immediate deletion and permanent removal of all fraudulent accounts and inquiries ; 3. A permanent fraud alert placed on all consumer files related to My Estate ; 4. Referral of any unlawful actors to appropriate federal enforcement divisions. 

This complaint is submitted under penalty of perjury and good faith, with all rights reserved. 

Please acknowledge receipt and issue a case number to the address or contact provided above. 

With Respect and Honor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conservator of the Private Estate All Rights Reserved UCC 1-308 / Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am a victim of identity theft and would like these accounts removed as soon as possible.

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 2025-06-23 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: GA

Complaint narrative:
I am a victim of identity theft and would like these accounts removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
I am a victim of identity theft and would like these accounts removed as soon as possible.

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 2025-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
I've been trying to get in contact with Brigit to send me a paid in full letter with a balance of XXXX but they are not responding and I need this information to close on my mortgage. They seem to use a AI generator because none of the emails they reply make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax failed to do a proper investigation. The following was sent via certified mail, however erroneous information was not deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX XXXX : XX/XX/XXXX SSN Last XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Final Demand For Immediate Correction Of Inaccurate Credit Information. 

To Whom It May Concern, This is my third correspondence regarding the outrageous inaccuracies on my credit report. Your continued negligence in addressing these serious issues reflects poorly on your statutory obligations under The Fair Credit Act ( FCRA ). This is an unacceptable failure, and I an fed up with your disregard for my rights. 

Disputed Accounts : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am writing to dispute the late payment status, inaccurate and incomplete information of this account. I request its immediate removal from my credit report. Thank you for your prompt attention to this matter. 

XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX. I am writing to dispute the inaccurate and incomplete information of this account. I request its immediate removal from my credit report. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX, Account Number : XXXX. I am writing to dispute the Accuracy of this account. This is my Third time disputing this account, to date I have sent ample proof that this account should not be reporting to my credit file. Under 15 U.S. Code 1681e ( B ), ACCURACY OF REPORT I request immediate removal of the account from my credit file. 


Please send me an updated copy of my credit report within 30 of receipt of this letter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I have not nor will release nor allow the possession of my personal and credit/ financial information to be obtained by XXXX XXXX or other such agencies to be used for Their financial gain. I.e. providing my information to creditors for profit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I have not nor will release nor allow the possession of my personal and credit/ financial information to be obtained by XXXX XXXX or other such agencies to be used for Their financial gain. I.e. providing my information to creditors for profit

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 2025-06-23 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This account [ XXXX XXXX XXXX XXXX ] is not complete & accurate

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Formal Complaint to the CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conservator of the Private Estate XXXX  [ XXXX XXXX XXXX XXXX ] [ XXXX, NC ] [ ZIP ( XXXX ) ] [ XXXX ] | [ XXXX ] XX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : FORMAL COMPLAINT FRAUDULENT CREDIT REPORTING & IDENTITY MISUSE Greetings, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and rightful Conservator of My Private Estate , hereby submit this formal complaint regarding unauthorized and fraudulent reporting and identity misuse negatively affecting My Estate . 

Without My expressed consent or verified agreement, third-party agencies including Equifax, Experian, and TransUnion have recorded and disseminated falsified and harmful credit information. These acts constitute a violation of : - The Fair Credit Reporting Act ( FCRA ) - Identity Theft laws under 15 U.S. Code 1681c-1 - The Truth in Lending Act ( TILA ) - UCC 1-308 / UCC 3-501 - My inherent rights as a XXXX XXXX XXXX Fraudulent credit inquiries and identity-based misusepotentially originating from telecommunications or financial networkshave resulted in injury to My Estate and the mischaracterization of My Unlimited Excellent Credit standing. 

As Conservator of My Estate, I have never authorized such acts and demand : 1. A full investigation of all unauthorized credit reporting and identity use ; 2. Immediate deletion and permanent removal of all fraudulent accounts and inquiries ; 3. A permanent fraud alert placed on all consumer files related to My Estate ; 4. Referral of any unlawful actors to appropriate federal enforcement divisions. 

This complaint is submitted under penalty of perjury and good faith, with all rights reserved. 

Please acknowledge receipt and issue a case number to the address or contact provided above. 

With Respect and Honor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conservator of the Private Estate All Rights Reserved UCC 1-308 / Without Prejudice

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 2025-06-23 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: NC

Complaint narrative:
Formal Complaint to the CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conservator of the Private Estate XXXX  [ XXXX XXXX XXXX XXXX ] [ XXXX, NC ] [ ZIP ( XXXX ) ] [ XXXX ] | [ XXXX ] XX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : FORMAL COMPLAINT FRAUDULENT CREDIT REPORTING & IDENTITY MISUSE Greetings, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and rightful Conservator of My Private Estate , hereby submit this formal complaint regarding unauthorized and fraudulent reporting and identity misuse negatively affecting My Estate . 

Without My expressed consent or verified agreement, third-party agencies including Equifax, Experian, and TransUnion have recorded and disseminated falsified and harmful credit information. These acts constitute a violation of : - The Fair Credit Reporting Act ( FCRA ) - Identity Theft laws under 15 U.S. Code 1681c-1 - The Truth in Lending Act ( TILA ) - UCC 1-308 / UCC 3-501 - My inherent rights as a XXXX XXXX XXXX Fraudulent credit inquiries and identity-based misusepotentially originating from telecommunications or financial networkshave resulted in injury to My Estate and the mischaracterization of My Unlimited Excellent Credit standing. 

As Conservator of My Estate, I have never authorized such acts and demand : 1. A full investigation of all unauthorized credit reporting and identity use ; 2. Immediate deletion and permanent removal of all fraudulent accounts and inquiries ; 3. A permanent fraud alert placed on all consumer files related to My Estate ; 4. Referral of any unlawful actors to appropriate federal enforcement divisions. 

This complaint is submitted under penalty of perjury and good faith, with all rights reserved. 

Please acknowledge receipt and issue a case number to the address or contact provided above. 

With Respect and Honor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conservator of the Private Estate All Rights Reserved UCC 1-308 / Without Prejudice

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-23 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: LA

Complaint narrative:
my student loans originally were serviced by XXXX, and now with XXXX. In XX/XX/year>, XXXX reported delinquency on my student loans during a period of significant financial and national disruption at the start of the COVID-19 pandemic. 

While I understand my loans were structured as separate disbursements, my repayment was handled as a single monthly payment, which was then distributed across multiple loan accounts. Due to what I believe may have been confusion about the timing of my re-entry into repayment, one payment may have been missed. However, this resulted in 13 separate delinquency marks being reported to the credit bureausone for each individual tradelinedespite being the result of a single payment error. 

This disproportionate reporting has had a severe and long-lasting impact on my credit. I submitted a goodwill request to the servicer, which was denied. I also disputed the item with the credit bureaus with no resolution. 

It is unclear to me whether the delinquency occurred before or after the CARES Act protections began in XX/XX/year>, but I believe this situation deserves a fair review given the extraordinary circumstances. Since then, I have fully repaid my loans, have no student loan debt, and maintain a strong repayment history across all accounts. 

I respectfully request a formal investigation into the accuracy and fairness of the reporting, with the hope that this can be adjusted to more accurately reflect my payment history and circumstances. 

Thank you for your time and attention.

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