vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I am writing to dispute an account reporting on my Equifax credit report that I believe is a result of identity theft. this item does not include the creditors, name, phone number or address, and I have no knowledge of ever opening such an account. In accordance with the fair credit reporting act, specifically 15 U.S. code 1681C 2, I am requesting the immediate removal of this fraudulent account from the credit file. This account is unverified and unverifiable, and may be the result of someone unlawfully using my identity. Please confirm in writing that this item has been removed or provide evidence that it is valid and was open by me.

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 2025-05-26 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: NC

Complaint narrative:
I am writing to dispute an account reporting on my Equifax credit report that I believe is a result of identity theft. this item does not include the creditors, name, phone number or address, and I have no knowledge of ever opening such an account. In accordance with the fair credit reporting act, specifically 15 U.S. code 1681C 2, I am requesting the immediate removal of this fraudulent account from the credit file. This account is unverified and unverifiable, and may be the result of someone unlawfully using my identity. Please confirm in writing that this item has been removed or provide evidence that it is valid and was open by me.

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 2025-05-26 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

CCMFINANCE # XXXX  XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
XXXX did a hard inquiry on my credit report without my permission on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: VA

Complaint narrative:
I was a a XXXX dealership and the salesperson XXXX XXXX, was attempting to get me financing for a vehicle causing several hard inquiries on my credit. He stated that when they pulled my credit report from Experian, it stated that I still owed XXXX XXXX {$15000.00} from a previous car loan I had. This caused the lenders to deny me financing. The companies that inquired were : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX . I did not authorize any of these companies access to my credit report, only XXXX. XXXX XXXX assured me that they dont shotgun your credit by running it multiple times with banks and lenders but thats exactly what happened. All three of my credit reports show that my account with XXXX XXXX is closed with a balance of {$0.00} so it puzzles me that they see a balance of {$15000.00}. XXXX XXXX must be reporting fraudulent information. I also never received information on who all denied my credit and why. Experian gives me a very low credit score compared to XXXX  and XXXX. I dispute inaccuracies with Experian and nothing is ever changed. It feels like investigations arent really done at all. Im denied credit every time its pulled from 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 2025-05-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , remove 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 personal credit card account opened at XXXX XXXXXXXX BALANCED {$8500.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$4100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX items 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 2025-05-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agency , remove 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 personal credit card account opened at XXXX XXXXXXXX BALANCED {$8500.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$4100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX items 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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I received a letter and this is fraud I have never applied for mortgage insurance my insurance is included in my monthly. And the house they sent to is a rental, thats how I know a scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative accounts from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent accounts according to the law, as you are required to do. Please see the listed accounts below that need to be removed. 
XXXX SERENE HILLS XXXX, TX XXXX XXXX XXXX XXXX * Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: PR

Complaint narrative:
I am filing this complaint due to conflicting and inaccurate reporting of the XXXX account number : XXXX account on my credit reports. 

Experian reports the account as charged off and written off with multiple delinquencies.

TransUnion shows it as charged off and derogatory with several late payments.

Equifax, however, shows 100 % on-time payments and no delinquencies, yet also lists it as a charge-off.

This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires that information be accurate and consistent. The account can not simultaneously be current and charged off. I have attempted to resolve this with the credit bureaus but received no resolution.

I request that this account be deleted. I've asked you to investigate this account, and you have not been able to do so correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: PR

Complaint narrative:
I am filing this complaint due to conflicting and inaccurate reporting of the XXXX account number : XXXX account on my credit reports. 

Experian reports the account as charged off and written off with multiple delinquencies.

TransUnion shows it as charged off and derogatory with several late payments.

Equifax, however, shows 100 % on-time payments and no delinquencies, yet also lists it as a charge-off.

This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires that information be accurate and consistent. The account can not simultaneously be current and charged off. I have attempted to resolve this with the credit bureaus but received no resolution.

I request that this account be deleted. I've asked you to investigate this account, and you have not been able to do so correctly

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 2025-05-26 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 writing to dispute the accuracy of certain accounts on my credit report. Upon reviewing my credit reports from the XXXX major credit burea., I have identified fraudulent discrepancies in the reporting of the following accounts Fraudulent Reporting : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request the immediate removal of these accounts under the FCRA . soeciticaliv 15 USCI 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), and 15 USC 1681c ( c ). Furthermore, as per Law ous 8. tese trauculent accouns snould de eliminated trom my crecit revon. you. company is under scrutiny due to a recent lawsuit filed by the Consumer Financial FlOcololl oucau case laltle volloutel Flallodl rOlcouoll Oulcau w cApclldl Information Solutions , Inc. '' ). This lawsuit highlights Experian 's failure to conduct proper investigations and remove or reinsert errors on consumer credit reports. As such, it is imperative that Experian address this matter in accordance with the FCRA. 
Please find enclosed a copy of my Experian credit report, highlighting the fraudulent accounts mentioned above. I request that Experian promptly investigate this matter and delete these erroneous items within 30 days of receipt of this letter, as mandated by the FCRA. 
appreciate your prompt duenton to mis matter. " look forward to receiving written confirmation of the removal of these fraudulent accounts from my credit report. 
Thank you for your time and cooperation.

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 2025-05-26 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
The account is not a charge off. 
XXXX XXXX XXXX It states settled for less. It is paid the remaining was a XXXX. Please remove this account from : my credit report for inaccurate reporting! 
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 2025-05-26 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: DC

Complaint narrative:
I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to multiple accounts being reported on my credit file that are inaccurate, incomplete, inconsistent, or unverifiable. I am requesting federal enforcement because these accounts contain serious errors and continue to negatively impact my credit profile and consumer rights.

The violations include : Conflicting balances across different bureaus for the same account Mismatched account types ( e.g., Secured Card vs. Open Account ) Closed accounts reporting active balances Accounts with missing or incomplete data, such as no status or creditor information Accounts appearing on only one bureau, making them unverifiable The specific disputed accounts are : 1. XXXX XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Experian : Secured Card with {$270.00} balance Equifax : Open Account with {$13.00} balance TransUnion : Open Account with {$270.00} balance Violation : Conflicting balances, inconsistent types, and varying creditor names 2. XXXX XXXX Ending in XXXX Experian : No balance listed Equifax and TransUnion : Report {$0.00} balance Violation : Incomplete reporting 3. XXXX XXXXXXXX XXXX Opened XX/XX/XXXX All bureaus report the account as closed, but it still shows a {$1100.00} balance Violation : Misleading data on a closed account 4. XXXX  Only appears on TransUnion Missing key information : no type, balance, or dates Violation : Incomplete and unverifiable 5. Dept of Education Only appears on Equifax No balance, status, or payment history Violation : Inconsistent and insufficient reporting I have attached : A copy of my government-issued photo ID Proof of current address Screenshots of the disputed accounts from my credit reports These issues are more than clerical they represent ongoing FCRA violations XXXX I am demanding that these accounts be permanently deleted if they can not be verified with original creditor documentation. I am not requesting corrections or updates.

The credit bureau has 14 calendar days to take action. I request that the CFPB ensure full compliance under the law and hold the bureau accountable. If necessary, I will pursue further legal options to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: DC

Complaint narrative:
I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to multiple accounts being reported on my credit file that are inaccurate, incomplete, inconsistent, or unverifiable. I am requesting federal enforcement because these accounts contain serious errors and continue to negatively impact my credit profile and consumer rights.

The violations include : Conflicting balances across different bureaus for the same account Mismatched account types ( e.g., Secured Card vs. Open Account ) Closed accounts reporting active balances Accounts with missing or incomplete data, such as no status or creditor information Accounts appearing on only one bureau, making them unverifiable The specific disputed accounts are : 1. XXXX XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Experian : Secured Card with {$270.00} balance Equifax : Open Account with {$13.00} balance TransUnion : Open Account with {$270.00} balance Violation : Conflicting balances, inconsistent types, and varying creditor names 2. XXXX XXXX Ending in XXXX Experian : No balance listed Equifax and TransUnion : Report {$0.00} balance Violation : Incomplete reporting 3. XXXX XXXXXXXX XXXX Opened XX/XX/XXXX All bureaus report the account as closed, but it still shows a {$1100.00} balance Violation : Misleading data on a closed account 4. XXXX  Only appears on TransUnion Missing key information : no type, balance, or dates Violation : Incomplete and unverifiable 5. Dept of Education Only appears on Equifax No balance, status, or payment history Violation : Inconsistent and insufficient reporting I have attached : A copy of my government-issued photo ID Proof of current address Screenshots of the disputed accounts from my credit reports These issues are more than clerical they represent ongoing FCRA violations XXXX I am demanding that these accounts be permanently deleted if they can not be verified with original creditor documentation. I am not requesting corrections or updates.

The credit bureau has 14 calendar days to take action. I request that the CFPB ensure full compliance under the law and hold the bureau accountable. If necessary, I will pursue further legal options to resolve this matter.

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