vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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 hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.

In light of these regulations, I must highlight that XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XX/XX/XXXX {$33000.00}, XXXX  XXXX {$22000.00}, ( Original Creditor : ) XX/XX/XXXX {$1500.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
I am writing to dispute certain items in my credit report which I believe to be inaccurate, outdated, or unverifiable. I respectfully request that these matters be reinvestigated in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
I have identified several addresses in my credit report that are incorrect and do not belong to me, including XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and a misreported version of my actual address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX While XXXX XXXX XXXX is my correct residence, the ZIP code is inaccurate and must be corrected to reflect XXXX. I have never lived at the other two addresses, and they are being erroneously linked to my credit profile. My only current and accurate address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX, and it should be the only one appearing on my file. In accordance with FCRA Sections 609 ( a ) ( 1 ) and 607 ( b ), I am requesting the immediate deletion or correction of these addresses to ensure my personal information is being reported with maximum possible accuracy.

In addition to these personal identification issues, I am also disputing the accuracy and reporting of two charge-off accounts. The first is from XXXX  XXXX XXXX, showing a reported balance of {$2300.00}. The second is a recently reported charge-off from XXXX XXXX, with an account ending in XXXX and a balance of {$8800.00}. I am concerned that these accounts may be inaccurately reported or lack proper verification. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am formally requesting a reinvestigation of both accounts. If either XXXX  XXXX XXXX or XXXX can not provide sufficient documentation verifying the accuracy of these entries, I am requesting that the accounts be deleted accordingly.

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 2025-09-11 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: NY

Complaint narrative:
I am writing to dispute certain items in my credit report which I believe to be inaccurate, outdated, or unverifiable. I respectfully request that these matters be reinvestigated in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
I have identified several addresses in my credit report that are incorrect and do not belong to me, including XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and a misreported version of my actual address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX While XXXX XXXX XXXX is my correct residence, the ZIP code is inaccurate and must be corrected to reflect XXXX. I have never lived at the other two addresses, and they are being erroneously linked to my credit profile. My only current and accurate address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX, and it should be the only one appearing on my file. In accordance with FCRA Sections 609 ( a ) ( 1 ) and 607 ( b ), I am requesting the immediate deletion or correction of these addresses to ensure my personal information is being reported with maximum possible accuracy.

In addition to these personal identification issues, I am also disputing the accuracy and reporting of two charge-off accounts. The first is from XXXX  XXXX XXXX, showing a reported balance of {$2300.00}. The second is a recently reported charge-off from XXXX XXXX, with an account ending in XXXX and a balance of {$8800.00}. I am concerned that these accounts may be inaccurately reported or lack proper verification. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am formally requesting a reinvestigation of both accounts. If either XXXX  XXXX XXXX or XXXX can not provide sufficient documentation verifying the accuracy of these entries, I am requesting that the accounts be deleted accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-11 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX - XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA XXXX XXXX, and has not conducted a reasonable reinvestigation under FCRA XXXX ( a ) ( XXXX ). 

In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA XXXX ( a ) ( XXXX ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This company says I owe XXXX XXXX for a XXXX account that was paid in full when I switched to XXXX  XXXX XXXX XXXX  They will not disclose the breakdown of why I supposedly owe and how much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This dispute concerns the inaccurate and unauthorized reporting of accounts on my credit file. I did not authorize, open, or approve these accounts, and I was not notified of their addition. Inconsistent reporting across all three bureaus further proves these accounts are inaccurate and violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ), which requires that only accurate information be reported. 

It also violates XXXX XXXX. XXXX, which requires disputed items to be investigated and resolved within XXXX  days, and XXXX XXXX. XXXX, which requires complete and accurate disclosures of my credit file. 

I have attached documentation to verify my identity and confirm these accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am filing this complaint because the furnisher has failed to report my account correctly and is in violation of the Fair Credit Reporting Act ( FCRA ). I want to clearly outline the problems so it is understood why this account should be deleted. 
XXXX. On XXXX, the account shows XXXX months reviewed with a last payment date of XX/XX/XXXX. On XXXX, the same account shows XXXX  months reviewed with a last payment date of XX/XX/XXXX. This is inconsistent and inaccurate. 
XXXX. The reported term length is inaccurate. The bureaus are showing XXXX  months, but this is inconsistent with the actual contract terms. 
XXXX. The balance and charge-off figures are inconsistent across bureaus, with XXXX  and XXXX  showing different numbers and dates for when balances were updated. 
XXXX. On XXXX, the account previously showed a Date of Major Delinquency Reported as XX/XX/XXXX which is impossible because the delinquency occurred in XXXX. This proves the account was being reported inaccurately for a significant period of time. The furnisher then tried to patch this error by changing the date to XX/XX/XXXX, but that does not erase the fact that it was reported incorrectly this entire time. This amounts to illegal re-aging of the account, which is prohibited by FCRA XXXX ( a ) ( XXXX ). 
XXXX. By providing conflicting and incomplete data to the credit bureaus, the furnisher is violating FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX, which requires all information reported to be accurate and complete. 

I have already requested verification, including the original contract and full payment history, but nothing has been provided. Instead, the company keeps making patch changes and then calling the account verified. That does not make the information accurate, and it leaves my report misleading.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
In my letter, I disputed the alleged debt and requested documentation proving that I owe it, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the company has continued collection activity, including remove in XXXX business days This is a violation of my rights under the FDCPA because they are attempting to collect without providing proper validation and ignoring my cease-and-desist request. I am requesting that the CFPB require this company to stop all collection activity until they provide full validation of the alleged debt, and to correct any inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
XX/XX/XXXXYou must delete these inaccurate accounts within XX/XX/XXXXdays per XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation.

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 2025-09-11 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: CO

Complaint narrative:
The report ignores critical parts of my financial profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IN

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate late payment entries reported by Experian on my credit file. Upon reviewing my report, I identified XXXX XXXX  XXXX accounts with conflicting and potentially inaccurate late payment notations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These entries reflect either misreported delinquencies or discrepancies that lack proper verification. Their presence is negatively impacting my XXXX XXXX and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I previously submitted a formal dispute under FCRA XXXX, which grants me the right to a fair and timely reinvestigation of disputed information. Additionally, FCRA XXXX ( a ) ( XXXX ) requires that furnishers of credit data promptly update and correct any inaccuracies, including late payments that are found to be erroneous or unverified. 
Despite my dispute, these accounts have not been properly investigated or corrected by Experian, nor have I received any verification from XXXX XXXX to substantiate the reported delinquencies.

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 2025-09-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
After paying off my credit card Synchrony Bank for no identifiable reason lowered my credit limit by {$600.00}. There is no reason they should have done this and the reasons they gave were : Current Utilization On Paypal/Venmo Credit Account Credit Line Utilization On Paypal/Venmo Credit Account Last Month Variance Between Credit Limit And Balance On Paypal/Venmo Credit Account In A Prior Month Minimum Monthly Credit Line Utilization On Paypal/Venmo Credit Account In Last XXXX Months They had no problem with me when I owed them money and now theyre paid off and punish me as well as cause harm to my credit score. This is a predatory practice and they should be held accountable.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inaccurate late payments are still showing up on my credit report today, despite my attempts to refresh it. I am very frustrated and insist that the documents Ive sent be reviewed right away so this issue can be fully resolved.

Company response to consumer: Closed with explanation