vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
To whom it may concern, I am deeply concerned about the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my fundamental right. Kindly provide me with all available details regarding the lapses in accuracy and compliance.

I have zero tolerance for negative information, certified or not. My utmost concern lies in the verifiable facts and truths regarding your company and the data pertaining to my credit profile. The erroneous credit report I received raises surprise as it should align with the FCRA and relevant Metro 2 data field formatting standards. I challenge you to create a verified, complete, and accurate document, presenting evidence for each claim. The XXXX XXXXXXXX highlights that any deviation from these standards jeopardizes data integrity, which is a matter of utmost seriousness. Failure to follow these standards could compromise the integrity of your data.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The correct spelling of my name is XXXX XXXX XXXX XXXX. 
The only address that should be on file is XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-12 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:
I am filing this complaint to formally dispute multiple unauthorized hard inquiries that have been made on my credit report. These inquiries were not authorized by me, and I have strong reason to believe they are related to the exposure of my personal information in a recent data breach. 

XXXX XXXX  Date of XXXX : XX/XX/XXXX Credit Bureau : Equifax XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXX XXXX XXXX XXXX, New Date of Inquiry : XX/XX/XXXX Credit Bureau : TransUnion XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Credit Bureau : TransUnion I did not apply for credit with any of these companies, nor did I authorize them to access my credit file. This activity is highly suspicious, especially given that my personal information was compromised in a confirmed data breach ( 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 2025-06-12 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the fraudulent account listed on my Equifax credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S.C. 1681c-2. This section grants consumers the right to block the reporting of information that results from identity theft. The account in question is with XXXX, with a reported amount of {$420.00}, and a date reported of XX/XX/year>2024. This account was opened or reported as a result of identity theft and is not associated with any transaction or agreement I have made. I am requesting that this item be blocked from my credit report immediately pursuant to FCRA 605B. My FTC Identity Theft Affidavit has been filed and is attached under

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 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 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 2025-06-12 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: OH

Complaint narrative:
I reviewed my credit report and noticed fraudulent accounts. Please remove these accounts from my credit report as it affects my ability to obtain credit.

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 2025-06-12 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:
Im writing to formally request supervisory review of my unresolved CFPB complaint submitted on XX/XX/year> against TransUnion. The company acknowledged receipt on XX/XX/year>, but has failed to provide a response or resolution within the required 15-day timeframe, which has now passed.

This dispute involves fraudulent information appearing on my credit report. I submitted a full FTC Identity Theft Report and supporting documentation verifying that I did not authorize or open the account ( s ) in question.

TransUnion has failed to : Provide a timely response per CFPB regulations Comply with its obligations under the Fair Credit Reporting Act ( FCRA 611 ) I am requesting that the CFPB escalate this matter, and compel TransUnion to : 1. Permanently delete the fraudulent information from my credit file 2. Provide written confirmation of the action taken Thank you for your assistance.

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 2025-06-12 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 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 XXXX XXXX XXXX XXXX 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 2025-06-12 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:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 filing a complaint regarding multiple inaccurate and inconsistent items being reported on my credit file by the credit reporting agencies. The following accounts reflect errors that I have already attempted to dispute directly, but they remain unresolved : XXXX XXXX XXXXXXXX ( XXXX ) : Reporting four separate XXXX late payments in XXXX ( XXXX, XXXX, XXXX, and XXXX ), which I believe are inaccurate or improperly aged. 

XXXX XXXXXXXX ( XXXX ) : Opened in XX/XX/XXXX, yet shows 120 days late within only a few monthsthis reflects illogical delinquency progression and may violate FCRA or XXXX XXXX standards. 

XXXX XXXX ( XXXX ) : Reports XXXX lates across XXXX months. I request documentation and reinvestigation. 

XXXX XXXX XXXX ( XXXX ) : Showing XXXX late payments which I contest as inaccurate or unsupported. 

XXXX XXXX XXXX ( XXXX ) : Shows {$0.00} balance and no active status but remains on my report unnecessarily. 

XXXX XXXX ( XXXX ) : Charged off with inconsistent payment reporting. I request validation and investigation. 

XXXX ( XXXX ) : Charged off with disputed balance and questionable timeline. 

XXXX XXXX XXXX - XXXX ( XXXX ) : Paid collection still reporting negatively despite {$0.00} balance. 

I am requesting that the credit bureaus be required to provide verification of all information furnished, remove or correct any unverifiable or outdated data, and confirm compliance with the Fair Credit Reporting Act and Metro 2 reporting standards.

These inaccurate entries are harming my credit profile, and I request the CFPB to ensure a proper reinvestigation is completed and that my rights under the FCRA are protected.

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 2025-06-12 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:
I am filing a complaint regarding multiple inaccurate and inconsistent items being reported on my credit file by the credit reporting agencies. The following accounts reflect errors that I have already attempted to dispute directly, but they remain unresolved : XXXX XXXX XXXXXXXX ( XXXX ) : Reporting four separate XXXX late payments in XXXX ( XXXX, XXXX, XXXX, and XXXX ), which I believe are inaccurate or improperly aged. 

XXXX XXXXXXXX ( XXXX ) : Opened in XX/XX/XXXX, yet shows 120 days late within only a few monthsthis reflects illogical delinquency progression and may violate FCRA or XXXX XXXX standards. 

XXXX XXXX ( XXXX ) : Reports XXXX lates across XXXX months. I request documentation and reinvestigation. 

XXXX XXXX XXXX ( XXXX ) : Showing XXXX late payments which I contest as inaccurate or unsupported. 

XXXX XXXX XXXX ( XXXX ) : Shows {$0.00} balance and no active status but remains on my report unnecessarily. 

XXXX XXXX ( XXXX ) : Charged off with inconsistent payment reporting. I request validation and investigation. 

XXXX ( XXXX ) : Charged off with disputed balance and questionable timeline. 

XXXX XXXX XXXX - XXXX ( XXXX ) : Paid collection still reporting negatively despite {$0.00} balance. 

I am requesting that the credit bureaus be required to provide verification of all information furnished, remove or correct any unverifiable or outdated data, and confirm compliance with the Fair Credit Reporting Act and Metro 2 reporting standards.

These inaccurate entries are harming my credit profile, and I request the CFPB to ensure a proper reinvestigation is completed and that my rights under the FCRA are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: KY

Complaint narrative:
To whom it may concern, I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and Metro 2 standards. It is imperative that allegations are supported by factual evidence, aligning with federal and state regulations.

Please ensure accuracy in your reporting, as mandated by the Metro 2 standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. If not provided, I request removal from the report and authorize the mailing of physical documentation of actions taken and my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: AL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXXXXXX 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I formally request that you immediately investigate and correct the inaccuracies in my credit report concerning the XXXX  XXXX account referenced above. 

As of your XX/XX/2025 report, this account is listed as charged off with {$610.00} written off, yet it continues to report a past due balance of {$360.00}. This is deceptive and misleading, as it results in double derogatory reporting : Once for the charge-off, Again for an ongoing delinquency status after the account was closed and written off. 

Under the FCRA, information reported must be accurate, complete, and not misleading. A charged-off account can not continue to accumulate or report monthly past-due amounts. Furthermore, if any portion of the balance has been forgiven, a 1099-C Cancellation of Debt should have been issued and the balance reported as {$0.00}. 

I demand that Experian : XXXX. Cease and desist from reporting a monthly past-due balance on this charged-off account ; XXXX. Provide complete verification under Section 609, including contracts, charge-off documentation, and balance justification ; XXXX. Remove or update this account to reflect only factual, non-deceptive information ; XXXX. Provide a written response within XXXX  days, as required by federal law. 

Please find enclosed a copy of my ID and a utility bill to verify my identity, along with a copy of the Experian report in question. 

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), FTC, and potential legal action for continued violations of the FCRA.

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