vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
This account was charged off in XX/XX/year>. However, since that date, it has been repeatedly updated each month as a " charged off '' account, reflecting ongoing payment history. This is both inaccurate and misleading. A charged-off account should not continue to report an active payment history, as this implies ongoing activity on an account that has been closed and written off. 

Such reporting inaccurately influences the payment history and may misrepresent the status and age of the debt, thereby potentially affecting the statute of limitations. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : Creditor 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 2025-05-15 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:
Subject : Formal Demand to Block Fraudulent Information Under FCRA 605B Identity Theft To Whom It May Concern, This is a formal demand for the immediate blocking and removal of fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 605B. This section requires you to block identity theft-related information within four ( 4 ) business days after receiving a proper request.

The following account ( s ) were opened or used as a result of identity theft and do not belong to me : Creditor/Collector Name : XXXX XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Account Name : Dept of Education/XXXX Account # XXXX Date XXXX Inquiry : XXXX  Date : XX/XX/XXXX Inquiry : XXXX XXXX Financial Date : XX/XX/XXXX Type of Account : [ e.g., Credit Card, Collection, Loan ] You are required by law to block the reporting of these items across all consumer reports you maintain and notify the furnisher of the block.

Enclosed with this letter, as required by FCRA 605B, The documents are attached to this complaint.

This is your legal notice. I expect full compliance within four business days, per federal statute. If you fail to take prompt action : I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

I will seek legal counsel to initiate litigation for willful noncompliance, continued defamation, and negligence under FCRA 616 and 617.

I am not requesting an investigation I am demanding the required block and deletion of fraudulent data, as clearly outlined under FCRA 605B. Failure to comply will be documented and pursued to the fullest extent of the law.

You have been officially notified.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-15 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 writing to follow up on my previous correspondence dated XXXXXXXX XXXX XXXX  regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XXXX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX & XXXX XXXXXXXX XXXX XXXXXXXX, CA, 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally demand immediate and serious attention to this complaint. This is not a mistake or oversight. My credit report contains clear inaccuracies that do not meet the legal standard of maximum possible accuracy. These errors are inflicting significant financial and emotional harm, with ongoing consequences that I can no longer tolerate. I expect a full and urgent resolutionthese inaccuracies must be corrected or removed without delay. Immediate corrective action is not optional ; it is required.

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 2025-05-15 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$1600.00}, portfolio Account # : XXXX * * * * date opened XX/XX/XXXX bal. {$680.00}, XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX bal. {$1600.00}, XXXX Account # XXXXXXXX XXXX XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$680.00}. Inquiries : XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$1600.00}, portfolio Account # : XXXX * * * * date opened XX/XX/XXXX bal. {$680.00}, XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX bal. {$1600.00}, XXXX Account # XXXXXXXX XXXX XXXX date opened XX/XX/XXXX bal. {$450.00}, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$680.00}. Inquiries : XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Unauthorized items have appeared on my credit report due to fraudulent use of my personal information. I have never authorized or benefited from these transactions. Fully aware of the gravity of this issue, I promptly filed a report with the Federal Trade Commission seeking resolution. Despite taking all necessary actions and reporting the fraud, these inaccurate entries persist on my credit report. This ongoing failure to remove fraudulent information is unacceptable and continues to cause me significant frustration and harm as I am forced to bear the consequences of identity theft.

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 2025-05-15 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-15 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:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-05-15 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 two late payments reported on my credit report by XXXX XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. My account number is # XXXX. According to the Fair Credit Billing Act, specifically 15 U.S.C. 1666b, creditors must adopt reasonable procedures to ensure that a payment received by the due date is not treated as late if the payment was received before XXXXXXXX XXXX. on that date. I have reason to believe that my payments for XXXX and XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX ) were made on time or within the appropriate grace period, and the reporting of these payments as late is inaccurate and damaging to my credit profile. This erroneous reporting has caused significant negative impact on my credit score and financial well being. according to 15 u.s. 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am requesting that you investigate this matter and provide written confirmation of the results. If the reporting is found to be inaccurate, I request immediate correction and removal of these late payments from my credit report. This dispute is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), which requires that disputed items be investigated and corrected or removed if they are found to be inaccurate or unverifiable. Please complete your investigation within the 30-day period as required by law and provide written confirmation of your findings.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute two late payments reported on my credit report by XXXX XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. My account number is # XXXX. According to the Fair Credit Billing Act, specifically 15 U.S.C. 1666b, creditors must adopt reasonable procedures to ensure that a payment received by the due date is not treated as late if the payment was received before XXXXXXXX XXXX. on that date. I have reason to believe that my payments for XXXX and XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX ) were made on time or within the appropriate grace period, and the reporting of these payments as late is inaccurate and damaging to my credit profile. This erroneous reporting has caused significant negative impact on my credit score and financial well being. according to 15 u.s. 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I am requesting that you investigate this matter and provide written confirmation of the results. If the reporting is found to be inaccurate, I request immediate correction and removal of these late payments from my credit report. This dispute is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), which requires that disputed items be investigated and corrected or removed if they are found to be inaccurate or unverifiable. Please complete your investigation within the 30-day period as required by law and provide written confirmation of your findings.

Company response to consumer: Closed with non-monetary relief