vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 explanation
Consumer complaint received 2025-11-17 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: AR

Complaint narrative:
I am filing a complaint regarding multiple unauthorized and inaccurate credit inquiries that have appeared on my credit reports with all three major credit bureaus Experian, Equifax, and TransUnion. Specifically, there are inquiries from XXXX XXXX  on XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX, that I did not authorize or initiate. These inquiries are marked as hard inquiries, which under the Fair Credit Reporting Act ( FCRA ) can only be made with my explicit consent, yet I never provided permission for any of these. I have no history of interaction with these companies and was never notified of these inquiries before they appeared on my credit reports. I believe these entries may be the result of a mistake or even fraudulent activity. These unauthorized inquiries have harmed my credit score and are damaging my financial reputation. I have disputed these entries with each of the three credit bureaus Experian, Equifax, and TransUnionbut they remain unresolved, and I am requesting that the CFPB assist in ensuring these inquiries are removed and that my credit reports are corrected promptly in accordance with 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
Consumer complaint received 2025-11-17 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: AR

Complaint narrative:
I am filing a complaint regarding multiple unauthorized and inaccurate credit inquiries that have appeared on my credit reports with all three major credit bureaus Experian, Equifax, and TransUnion. Specifically, there are inquiries from XXXX XXXX  on XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX, that I did not authorize or initiate. These inquiries are marked as hard inquiries, which under the Fair Credit Reporting Act ( FCRA ) can only be made with my explicit consent, yet I never provided permission for any of these. I have no history of interaction with these companies and was never notified of these inquiries before they appeared on my credit reports. I believe these entries may be the result of a mistake or even fraudulent activity. These unauthorized inquiries have harmed my credit score and are damaging my financial reputation. I have disputed these entries with each of the three credit bureaus Experian, Equifax, and TransUnionbut they remain unresolved, and I am requesting that the CFPB assist in ensuring these inquiries are removed and that my credit reports are corrected promptly in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-11-17 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: AR

Complaint narrative:
I am filing a complaint regarding inaccurate information on my credit reports provided by Experian, TransUnion, and XXXX Despite several attempts to resolve these issues directly with the credit bureaus, my reports continue to reflect incorrect information about multiple XXXX accounts and a XXXX account. The XXXX accounts, with balances of {$7000.00} and {$3800.00}, opened on XX/XX/XXXX, and XX/XX/XXXX, are reporting inaccurate late payments of 90 days in XX/XX/XXXX and 120 days in XX/XX/XXXX, which I dispute as incorrect. Additionally, the XXXX  account opened in XX/XX/XXXX with a balance of {$0.00} is showing erroneous late payments of 30 days in XX/XX/XXXX and 60 days in XX/XX/XXXX. I have disputed these inaccuracies with the credit bureaus under FCRA 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute inaccurate information, and FCRA 623 ( a ) ( 2 ), which requires furnishers to ensure accurate reporting. Despite these disputes, the bureaus have not corrected the information, violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA 623 ( b ), which mandates furnishers to investigate and correct inaccuracies, and FCRA 1666 regarding the correction of billing errors. These errors are damaging my credit score and affecting my financial opportunities. I am seeking intervention from the CFPB to ensure that Experian, TransUnion, and XXXX remove the incorrect late payments from my XXXX and XXXX  accounts, direct the furnishers to comply with FCRA 623 to correct the inaccuracies, and provide me with updated and accurate credit reports once the necessary corrections have been made.

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 2025-11-17 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: OR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-11-17 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: NC

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and 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 2025-11-17 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: OK

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information currently appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial information, an incident that occurred entirely outside of my control. Despite my repeated attempts to correct these inaccuracies, I continue to experience the harmful consequences of reporting failures that should have been addressed promptly and thoroughly. The continued presence of these unauthorized and inaccurate entriesdespite clear evidence that my personal data was compromisedis unacceptable. This negligent handling of my information is damaging my creditworthiness, undermining my financial stability, and preventing me from accessing essential opportunities. I will not accept this ongoing disregard for my rights and the integrity of my credit file. I am demanding that you immediately conduct a full investigation and permanently delete the erroneous information from my credit report. Any delay, refusal, or failure to take corrective action will be treated as a direct violation of my consumer rights. If necessary, I will pursue all available legal remedies under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable state or federal laws to ensure full accountability for this misconduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX # XXXX -- Balance : {$3200.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$220.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-17 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$790.00} INQUIRIES : 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

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Identity Theft Letter to a Credit Bureau [ Date ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ] ( Write to each relevant credit reporting agency, one at a time : ) Equifax XXXX. XXXX  XXXX XXXX, GA XXXX -or- XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX -or- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX [ RE : Your Account Number ( if known ) ] Dear I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, [ ] Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AK

Complaint narrative:
I am submitting to formally dispute inaccurate information appearing on my credit report, specifically regarding an incorrect address and a charge-off account, as reported by Experian. The address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is inaccurately listed and does not reflect my current or previous residence history. This inaccuracy violates FCRA Section 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate information, and FCRA Section 607 ( b ), which obligates consumer reporting agencies to maintain procedures ensuring the maximum possible accuracy of the information contained in consumer reports. I request immediate correction of this address across all reports, as maintaining inaccurate personal information can result in improper credit decisions and confusion with other consumers. 
Additionally, the account XXXX XXXX XXXX * * with a reported balance of {$290.00} * * is inaccurately listed as a charge-off in Experians records. The accounts reported status, balance, and Date of First Delinquency ( DOFD ) are inconsistent with my actual payment history, which reflects that this account was resolved appropriately. This misreporting constitutes a violation of FCRA 623 ( a ) ( 5 ), which ensures accurate reporting of DOFD, 605 ( a ) ( 4 ) for 7-year reporting limits on charge-offs, 611 ( 15 U.S.C. 1681i ) granting me the right to dispute inaccurate information, and 602 ( A ) mandating fair and accurate credit reporting. I request that Experian verify the account directly with the furnisher, update the reporting to reflect the correct status, and ensure the balance and DOFD are accurately reflected.

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