vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
Certainly here is a slightly more concise version with a European-style tone and syntax : -- - * * To : * * Customer Advocacy Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX  RE : CFPB Complaint XXXX XXXX XXXX XXXX Dear Sir or Madam, 1. The income information I provided at the time of application appears to have been accurate. Your response does not indicate any specific discrepancy, nor does it explain in what manner I failed to meet the eligibility criteria. As per the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ), I would expect a clear and specific reason if income or any other factor led to the denial or modification of the offer.

2. With respect to the " Reprise Financial Terms and Conditions '' you reference : these were not visible or readily accessible on the webpage where unsecured loan offers were displayed. Under California law ( including the XXXX, XXXX. XXXX. Code XXXX et seq. ), material terms must be presented clearly prior to any action involving personal data or credit access. If such terms were not visible at the point of interaction, consent may not be considered valid. Please see the screenshots provided for reference.

I kindly ask that this reply be added to the record of my complaint, and that you reconsider the legitimacy of the hard inquiry under the circumstances. 

Yours faithfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-03 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:
Upon recent inspection of my credit report, I discovered a collection account that does not belong to me. I suspect this is a case of mistaken identity or file merging. I have never conducted business with the company reporting the debt and am not responsible for the balance listed.

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 2025-07-03 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Opened : XX/XX/XXXX, Balance : {$45.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX  XXXX Date : 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 2025-07-03 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: VA

Complaint narrative:
RE : DEMAND FOR DELETION OF ALL FRAUDULENT ACCOUNTS - FTC IDENTITY THEFT REPORT # XXXX To Whom It May Concern, This letter serves as a final, formal demand to delete and block all fraudulent accounts associated with my FTC Identity Theft Report # XXXX, submitted XX/XX/XXXX. These accounts were not opened by me, and all supporting documents, including my personal statement, account list, and timeline have been previously provided. Under FCRA 1681c-2 ( a ), you are legally required to block identity theft-related information within four ( 4 ) business days of receiving proper documentation. XXXX fully complied. TransUnion, Experian, and Equifax have now exceeded this deadline by over 20 days. This failure constitutes willful noncompliance. 
ALL FRAUDULENT ACCOUNTS TO DELETE : * XXXX. XXXX, XXXX. - Acct # : XXXX | Opened : XX/XX/XXXX | XXXX : {$680.00} * XXXX. XXXX XXXX XXXX - Acct # : XXXX | Opened : XX/XX/XXXX | Amount : {$8900.00} * XXXX. XXXX XXXX - Acct # : XXXX | Opened : XX/XX/XXXX | Amount : {$440.00} * XXXX. XXXX - XXXX XXXX. of Education - Acct # : XXXX | {$33000.00} opened XX/XX/XXXX and {$38000.00} opened XX/XX/XXXX LEGAL VIOLATIONS : * FCRA 1681c-2 ( a ) : Failure to block fraud accounts in 4 days * FCRA 609 ( a ) ( 1 ) : No verification documentation provided * FCRA 611 ( a ) ( 1 ) : Failure to reinvestigate disputed data * FCRA 611 ( a ) ( 7 ) : No procedural description offered * FCRA 1681e ( b ) : Reporting inaccurate information without verification * Metro 2 : Improper late payment formatting and misreporting of account status If any of these accounts are reinserted after deletion without full compliance with FCRA 611 ( a ) ( 5 ) ( B ), including a written notice and furnisher certification, this will constitute a new legal violation. 
DOCUMENTS PREVIOUSLY PROVIDED : * FTC Identity Theft Report # : XXXX * Signed personal identity theft statement * List of fraudulent accounts and inquiries * Timeline of communications and disputes DEADLINE & LEGAL NOTICE : You are given three ( 3 ) calendar days from receipt of this letter to delete all listed fraudulent accounts and provide written confirmation. If you fail to do so, I will take the following actions : * File a civil lawsuit under FCRA 1681n and 1681o * Submit updated complaints to the CFPB, FTC, and Attorney General * Demand discovery for all e-OSCAR entries, Metro 2 logs, and communications with furnishers You are now on legal notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
RE : DEMAND FOR DELETION OF ALL FRAUDULENT ACCOUNTS - FTC IDENTITY THEFT REPORT # XXXX To Whom It May Concern, This letter serves as a final, formal demand to delete and block all fraudulent accounts associated with my FTC Identity Theft Report # XXXX, submitted XX/XX/XXXX. These accounts were not opened by me, and all supporting documents, including my personal statement, account list, and timeline have been previously provided. Under FCRA 1681c-2 ( a ), you are legally required to block identity theft-related information within four ( 4 ) business days of receiving proper documentation. XXXX fully complied. TransUnion, Experian, and Equifax have now exceeded this deadline by over 20 days. This failure constitutes willful noncompliance. 
ALL FRAUDULENT ACCOUNTS TO DELETE : * XXXX. XXXX, XXXX. - Acct # : XXXX | Opened : XX/XX/XXXX | XXXX : {$680.00} * XXXX. XXXX XXXX XXXX - Acct # : XXXX | Opened : XX/XX/XXXX | Amount : {$8900.00} * XXXX. XXXX XXXX - Acct # : XXXX | Opened : XX/XX/XXXX | Amount : {$440.00} * XXXX. XXXX - XXXX XXXX. of Education - Acct # : XXXX | {$33000.00} opened XX/XX/XXXX and {$38000.00} opened XX/XX/XXXX LEGAL VIOLATIONS : * FCRA 1681c-2 ( a ) : Failure to block fraud accounts in 4 days * FCRA 609 ( a ) ( 1 ) : No verification documentation provided * FCRA 611 ( a ) ( 1 ) : Failure to reinvestigate disputed data * FCRA 611 ( a ) ( 7 ) : No procedural description offered * FCRA 1681e ( b ) : Reporting inaccurate information without verification * Metro 2 : Improper late payment formatting and misreporting of account status If any of these accounts are reinserted after deletion without full compliance with FCRA 611 ( a ) ( 5 ) ( B ), including a written notice and furnisher certification, this will constitute a new legal violation. 
DOCUMENTS PREVIOUSLY PROVIDED : * FTC Identity Theft Report # : XXXX * Signed personal identity theft statement * List of fraudulent accounts and inquiries * Timeline of communications and disputes DEADLINE & LEGAL NOTICE : You are given three ( 3 ) calendar days from receipt of this letter to delete all listed fraudulent accounts and provide written confirmation. If you fail to do so, I will take the following actions : * File a civil lawsuit under FCRA 1681n and 1681o * Submit updated complaints to the CFPB, FTC, and Attorney General * Demand discovery for all e-OSCAR entries, Metro 2 logs, and communications with furnishers You are now on legal notice.

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 2025-07-03 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: OH

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$880.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5400.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$330.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Starting XX/XX/XXXX I got a call from XXXX XXXX XXXX XXXX XXXX he send a sign now contract for loan for XXXX for down payment on housing I filled it out and they start doing lots of actions They access account and manipulate all. 
Through a XXXX XXXX system XX/XX/XXXX throug XX/XX/XXXX they stole XXXX dollars via transactions disputed and XXXX transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: KS

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: The CBE Group, Inc.
State: GA

Complaint narrative:
I discovered inaccurate information on my credit report from [ XXXX  XXXX XXXX  XXXX XXXX  ], which I believe is either incomplete, incorrect, or fraudulent. Despite my dispute and submission of supporting documents, the information has not been corrected or removed. I am writing to formally file a complaint against [ XXXX  / XXXX  / XXXX  and/or Furnisher Name ] for failing to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This statute requires a consumer reporting agency to block information resulting from identity theft upon proper notification, which I have already submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: I.C. System, Inc.
State: GA

Complaint narrative:
I discovered inaccurate information on my credit report from [ XXXX  / XXXX  / XXXX  ], which I believe is either incomplete, incorrect, or fraudulent. Despite my dispute and submission of supporting documents, the information has not been corrected or removed. I am writing to formally file a complaint against [ XXXX / XXXX  / XXXX  and/or Furnisher Name ] for failing to comply with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This statute requires a consumer reporting agency to block information resulting from identity theft upon proper notification, which I have already submitted.

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 2025-07-03 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 trying expand my business but what I noticed there is an account reporting on my report where inaccurate information is reported. There are late payments reporting. XXXX a, Transunion and XXXX  are reporting inconsistency data for the account attached in my letter. I have indluced a screenshot of the account from XXXX XXXX. 

I am ware of rights as a consumer. This type of error deframes my character Theref ore I am choosing to fight from my character and credit worthiness.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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