vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: SC

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!

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 2025-07-01 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: MI

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing a formal complaint against Experian for failing to properly reinvestigate and verify the following XXXX negative accounts on my credit report, despite this being my third dispute. Experian has not provided any documentation, explanation, or proof of how these accounts were verified, nor have they complied with my repeated requests under the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681i ( a ) ( 7 ), Experian is required to conduct a reasonable reinvestigation and provide a detailed description of the procedure used to verify disputed information, including the name of the party who verified the data and the method of verification. To date, I have received nothing. 

The accounts I continue to dispute are : XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Auto Loan ) XXXX XXXX XXXX XXXX XXXX ( Credit Card ) XXXX XXXX XXXX XXXX XXXX ( Credit Card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian continues to report these unverifiable, inaccurate, and damaging items without fulfilling their legal obligations. If these accounts are not permanently deleted and full reinvestigation details are not provided immediately, I will pursue legal action and sue for damages and compensation under 15 U.S.C. 1681n and 1681o. 

Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2025-07-01 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Sequium Asset Solutions is reporting a {$480.00} collection that I did not authorize or agree to. I have no record of this debt and never gave permission for my personal information to be used. 

I submitted an FTC Identity Theft Report ( Ref # XXXX ) and mailed disputes to the credit bureaus. I also requested verification from Sequium but received no response. 

This account is fraudulent, unverifiable, and should be permanently removed from my credit file in accordance with FCRA 605 ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
Complaint Against Navy Federal Credit Union for Reporting Late Payments During Military XXXX To Whom It May Concern, I am filing this formal complaint against Navy Federal Credit Union for reporting late payments on my credit report during a period in which I was actively XXXX with the United States XXXX XXXX. 

As an XXXX  servicemember, I am protected under the Servicemembers Civil Relief Act ( SCRA ) [ 50 U.S.C. 39014043 ], which provides safeguards against certain adverse financial actions while I am serving the country. Specifically, the SCRA restricts lenders from taking negative credit reporting actions such as late payments or defaults if a servicemember 's ability to meet financial obligations is materially affected by military service. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], credit furnishers are required to report accurate and complete information. XXXX XXXX failed to honor these legal obligations by reporting negative information despite being notified of my active-duty status. 

I respectfully request that the CFPB investigate this matter and instruct Navy Federal Credit Union to immediately remove all late payments from my credit reports with Equifax, Experian, and TransUnion that occurred while I was XXXX. These derogatory marks are unjust, harmful to my credit profile, and in direct violation of federal consumer and military protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 have asked all XXXX credit bureaus to validate these accounts properly with no luck these accounts are not mine and want them removed immediately they are doing me damage for no reason i have asked for this mater to be resolved and no one is doing their job i have been a victim of identity theft and this is ruining my life please help me resolve this issue. first thing first my name has been used incorrectly in all three credit reports, and I would like them to be updated immediately to XXXX XXXX and all other names to be deleted from Equifax, Transunion and Experian. Also, my address needs to be updated, and all other addresses need to be deleted. Accounts that are fraudulent are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I would like these fraudulent accounts removed immediately from Transunion, Equifax and Experian.

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 2025-07-01 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: LA

Complaint narrative:
I am attaching my FTC Identity Theft Report ( Ref # XXXX ), showing clearly identified fraudulent tradelines, and screenshots of the direct score impact and reporting failures that followed the XX/XX/year> data breach. Despite my full compliance with the FCRA and all agency guidance, your agency continues to report, update, and refuse to delete these fraudulent accountswhile at times misreporting the account as non-disclosed, a further violation.

Under 15 U.S.C. 1681c-2, 1681i, and 1681s-2, you are required to delete these accounts within XXXX business days of receiving this report. Your ongoing violations and mishandling of my identity theft documentation have caused documented financial harm and are subject to statutory and punitive damages. 

This is your final notice prior to regulatory and legal escalation.

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 2025-07-01 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I check my credit report weekly. I received an alert for a XXXX XXXX to my XXXX  report n the XXXX of XXXX. 
Today, I called Barclay who pulled my report to inform them that that this was fraud, because I received a letter in the mail requesting more information. It had application number on it and it stated that they needed more information like my SS # to issue my new card. Barclays security team wanted my SS # as well as my DOB. I would not give them anything over the phone. 
I spoke to a XXXX  representative and she stated to file with CFPB, and send them a copy of the report when I receive it.

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 2025-07-01 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: GA

Complaint narrative:
I have identified several inaccuracies on my credit reports from Equifax, TransUnion, and Experian. These errors include : Inconsistent Reported Dates : The closed dates for some accounts differ across the bureaus, misrepresenting my credit history.

Incorrect Debt Status : Some accounts are showing inaccurate balances or payment statuses that do not reflect the true state of the debt.

Unverified Late Payments : Late payments have been reported on accounts where I either paid on time or dispute the accuracy of the reporting.

Misclassified Credit Types : For example, Equifax has incorrectly reported my XXXX XXXX  as an auto loan, when in fact it is a personal loan. 

I have formally disputed these errors and requested investigations into the following four accounts : XXXX, XXXX, XXXX XXXX, and 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 2025-07-01 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: GA

Complaint narrative:
I have identified several inaccuracies on my credit reports from Equifax, TransUnion, and Experian. These errors include : Inconsistent Reported Dates : The closed dates for some accounts differ across the bureaus, misrepresenting my credit history.

Incorrect Debt Status : Some accounts are showing inaccurate balances or payment statuses that do not reflect the true state of the debt.

Unverified Late Payments : Late payments have been reported on accounts where I either paid on time or dispute the accuracy of the reporting.

Misclassified Credit Types : For example, Equifax has incorrectly reported my XXXX XXXX  as an auto loan, when in fact it is a personal loan. 

I have formally disputed these errors and requested investigations into the following four accounts : XXXX, XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a collection account that has recently appeared on my credit report. I have no prior knowledge of this account and have never received any communications from the agency or original creditor regarding the debt in question.

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 2025-07-01 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Today ( XX/XX/year> ) I received an email from Exeter Finance denying a credit application that I never submitted. I went to their website link to view further information. According to the letter on the website which was dated XXXX XXXX, XXXX XXXX XXXX. submitted my application for auto financing. I have not visited XXXX XXXX on XX/XX/XXXX or any time within the past few years. I contacted Exeter by phone to explain that I never gave approval for XXXX XXXX XXXX to request credit. I requested that Exeter submit a request for information. The representative told me that the request was sent and that I would receive the information by mail within 30 days. The representative told me to try and reach out to XXXX XXXX XXXX to request information. I reached out to XXXX XXXX XXXX and the representative I spoke with stated they have no record of me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the
result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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/year>, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I filed complaint no. XXXX against Experian Credit Reporting . This company responded that it needed my permission to respond to the complaint I made. I made the complaint against this company. It makes no sense that I should have to give it permission to respond. Nevertheless, attached is my notarized permission. I request the above referenced complaint be re-opened and responded to by this company.

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 2025-07-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX with a balance of {$6300.00}, another at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$4400.00}, a third at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX  with a balance of {$3700.00}, and XXXX collection account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX with a balance of {$220.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-01 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 formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief