vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
I am sending this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute multiple inaccuracies reporting on my credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness. The following personal identifiers are not mine, and I have no connection whatsoever to these addresses or employers : Incorrect Address and name ( Never Lived At this is not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at, used, applied with, or been associated with these addresses and name. They must be removed immediately. 
Incorrect Employer ( Never Worked For ) XXXX XXXX XXXX I have never provided this employment information to any creditor or bureau. 
These items violate FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) and must be deleted promptly. 
XXXX. Unauthorized & Inaccurate Hard Inquiries ( No Permissible Purpose ) The following inquiries were not authorized and violate FCRA 604 ( a ) and FCRA 605B : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit with these companies, nor did I authorize these pulls. These inquiries must be removed immediately as they are the result of identity misuse or mixed-file errors. 
XXXX. Fraudulent / Unverified Collection Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} I dispute this account in full. I have no knowledge of this debt, never received bills or notices, and never authorized services or charges related to this provider. 
This account is unverified, lacks supporting documentation, and may be fraudulent.

Under federal law, I am requesting : The original signed contract Billing statements Treatment records All documentation used for verification If TransUnion or the furnisher can not produce valid documentation containing my signature, this account must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX. Inaccurate Charge-Off Reporting XXXX XXXX Account XXXX Balance : {$0.00} Additionally, I have been affected by multiple national data breaches including the XXXX breach and other large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
I am sending this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute multiple inaccuracies reporting on my credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness. The following personal identifiers are not mine, and I have no connection whatsoever to these addresses or employers : Incorrect Address and name ( Never Lived At this is not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at, used, applied with, or been associated with these addresses and name. They must be removed immediately. 
Incorrect Employer ( Never Worked For ) XXXX XXXX XXXX I have never provided this employment information to any creditor or bureau. 
These items violate FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) and must be deleted promptly. 
XXXX. Unauthorized & Inaccurate Hard Inquiries ( No Permissible Purpose ) The following inquiries were not authorized and violate FCRA 604 ( a ) and FCRA 605B : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit with these companies, nor did I authorize these pulls. These inquiries must be removed immediately as they are the result of identity misuse or mixed-file errors. 
XXXX. Fraudulent / Unverified Collection Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} I dispute this account in full. I have no knowledge of this debt, never received bills or notices, and never authorized services or charges related to this provider. 
This account is unverified, lacks supporting documentation, and may be fraudulent.

Under federal law, I am requesting : The original signed contract Billing statements Treatment records All documentation used for verification If TransUnion or the furnisher can not produce valid documentation containing my signature, this account must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX. Inaccurate Charge-Off Reporting XXXX XXXX Account XXXX Balance : {$0.00} Additionally, I have been affected by multiple national data breaches including the XXXX breach and other large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable information.

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 2025-12-04 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: NY

Complaint narrative:
In XX/XX/year> XXXX was NOT authorized to open new credit accounts on its customers ' behalf when it switched financing partners. It opened an entirely different and new account, and then restricted my ability to make payments. XXXX told its customers that they would have " two separate accounts now '' and that they could begin using their XXXX XXXX XXXX  account on XX/XX/year>. I never consented to two accounts with them! Nonetheless I was not made aware of this change until my credit report was negatively impacted. 

In addition to this, when they switched they automatically enrolled me in XXXX XXXX  it was charging me atleast an additional {$25.00} per week/month. I called and emailed them to cancel these services and they never responded, or canceled this service. I didnt consent to it! 

When the switch happened, there was zero clarity on how to move forward paying off the loan. My account balance showed {$0.00}. It told me there was no balance left and the account was marked closed on my credit report. I know the balance existed but I couldnt find it! From the time of the switch to the time I FINALLY found a way to pay, my minimum payment was over {$700.00}. I had late fees, and insane interest amounts. My automatic payments were discontinued. When I tried to establish autopay with my debit card it would not go through. I had no other cards at the time. 
I could not afford the {$700.00} minimum payment- this website was for people with poor credit to BUILD their credit. Because I couldnt keep with the minimum payment, the account was delinquent, and charged off. 
This company totally ruined my credit. My score dropped down significantly, I had to take a 18 % interest rate over a 6 % for my car and pay a higher down payment because of their damage and shady ways. 
They sold my loan several times- unclear how many at this point. Now Im being sued by XXXX XXXX XXXX who will file a separate report for- for a balance of almost {$3000.00}! I dont have money for a lawyer to fight them. 
And if I dont rectify the damage of XXXX  they will garnish my wages. That balance is not legitimate AT ALL. XXXX was negligent in every way imaginable. XXXX XXXX  are also aggressive and unprofessional debt collection agency. Theyve harassed me all hours of the night and day.

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 2025-12-04 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:
In XX/XX/year> XXXX was NOT authorized to open new credit accounts on its customers ' behalf when it switched financing partners. It opened an entirely different and new account, and then restricted my ability to make payments. XXXX told its customers that they would have " two separate accounts now '' and that they could begin using their XXXX XXXX XXXX  account on XX/XX/year>. I never consented to two accounts with them! Nonetheless I was not made aware of this change until my credit report was negatively impacted. 

In addition to this, when they switched they automatically enrolled me in XXXX XXXX  it was charging me atleast an additional {$25.00} per week/month. I called and emailed them to cancel these services and they never responded, or canceled this service. I didnt consent to it! 

When the switch happened, there was zero clarity on how to move forward paying off the loan. My account balance showed {$0.00}. It told me there was no balance left and the account was marked closed on my credit report. I know the balance existed but I couldnt find it! From the time of the switch to the time I FINALLY found a way to pay, my minimum payment was over {$700.00}. I had late fees, and insane interest amounts. My automatic payments were discontinued. When I tried to establish autopay with my debit card it would not go through. I had no other cards at the time. 
I could not afford the {$700.00} minimum payment- this website was for people with poor credit to BUILD their credit. Because I couldnt keep with the minimum payment, the account was delinquent, and charged off. 
This company totally ruined my credit. My score dropped down significantly, I had to take a 18 % interest rate over a 6 % for my car and pay a higher down payment because of their damage and shady ways. 
They sold my loan several times- unclear how many at this point. Now Im being sued by XXXX XXXX XXXX who will file a separate report for- for a balance of almost {$3000.00}! I dont have money for a lawyer to fight them. 
And if I dont rectify the damage of XXXX  they will garnish my wages. That balance is not legitimate AT ALL. XXXX was negligent in every way imaginable. XXXX XXXX  are also aggressive and unprofessional debt collection agency. Theyve harassed me all hours of the night and day.

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 2025-12-04 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Please confirm that you have received this request and notify me in writing once the correction is finalized. I reserve the right to escalate if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-04 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: CA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Re : Cease and Desist Notice Dear Sir/Madam, I am writing to you in reference to your continued communication with credit reporting agencies regarding my credit information. I have recently become aware that you have been reporting information to my credit report without my consent, which is a violation of my rights and a form of communication that I do not authorize.

I demand that you immediately cease and desist from reporting any further information to credit reporting agencies on my behalf. Any further communication of this nature will be considered a violation of my rights under the Fair Credit Reporting Act and will result in legal action being taken against PORTFOLIO RC.

Please confirm in writing that you have received this cease and desist notice and that you will comply with my request. Failure to do so will result in further legal action being taken against your organization.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: KS

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 am not responsible for these accounts and formally request their removal within 15 days under FCRA guidelines.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-04 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: CA

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 this account is fraudulent. XXXX XXXX is furnishing information that it can not verify. I have attached my FTC Identity Theft Report, my formal Furnisher Accountability Notice, and supporting documents. I am requesting immediate deletion of all reporting related to this account under FCRA 605B and 623 ( b ). XXXX XXXX has failed to provide original signed documentation to establish this debt.

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 2025-12-04 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 this account is fraudulent. XXXX XXXX is furnishing information that it can not verify. I have attached my FTC Identity Theft Report, my formal Furnisher Accountability Notice, and supporting documents. I am requesting immediate deletion of all reporting related to this account under FCRA 605B and 623 ( b ). XXXX XXXX has failed to provide original signed documentation to establish this debt.

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