vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S. Code 1681i * *, I have the right to dispute information that is incomplete or inaccurate. Additionally, under * * 15 U.S. Code 1681s-2 * *, furnishers of information ( i.e., the data provider ) must ensure the accuracy and integrity of the data they report.

Here are several documented inconsistencies that violate these FCRA provisions : Detected
Inconsistencies in XXXX XXXX Account Reporting ( Account # : XXXX XXXX XXXX XXXX XXXX ) : XXXX. Inconsistent High Credit Reporting : - TransUnion and Experian report a High Credit of {$38000.00} - Equifax reports only {$24000.00} - a {$14000.00} difference without explanation. 
2. Payment History vs. Charge-Off Reporting : - TransUnion shows account as " OK '' up until XX/XX/XXXX, but suddenly marks " CO '' ( Charge-Off ) in XX/XX/XXXX. 
- Equifax also marks everything as " OK '' through XX/XX/XXXX, yet claims charge-off dated XX/XX/XXXX. 
-

These " OK '' statuses conflict with reported charge-off and past due amounts. 3. Past Due & Charge-Off Discrepancies : - Past Due Balance reported as {$21000.00} ( TU ) and {$23000.00} ( Experian & Equifax ) .

- No clear explanation why TransUnion shows lower balance despite same charge-off status and dates.

4. Comments and Status Conflicts : - Conflicting reasons for charge-off and repossession, especially between TU 's `` Profit and Loss Write-Off '' and Experian 's " Merchandise taken back by credit grantor. '' These inconsistencies raise serious concerns about the accuracy and reliability of the data being reported to the credit bureaus. The conflicting payment histories and charge-off designations across TransUnion, Experian, and Equifax make it impossible for me to determine the true status of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit System repeatedly for over 5 years has claimed that I owe a Debt From XXXX I NEVER HAD A ACCOUNT WITH XXXX they have placed collections 3 separate times on my report as argued and force remove from my reports XXXX they conveniently started a new collection with said credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed a collection account with TransUnion that was reported by XXXX XXXX XXXX XXXX XXXX . The account was added or updated during XX/XX/year>, shortly after I filed my dispute. This caused my credit score to drop.

When the account first appeared, XXXX XXXX falsely listed themselves as the original creditor. A few days later, they updated it to say XXXX XXXX was the original creditor instead but no documentation or verification was ever provided to prove this debt is mine.

TransUnion accepted this conflicting and unverified information without conducting a proper investigation, which violates the Fair Credit Reporting Act ( FCRA ).

I requested proof of the debt and the right to collect or report it. None was provided.

I am asking the CFPB to hold TransUnion accountable for reporting inaccurate and unverifiable information and to have this account removed from my credit report immediately.

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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: CA

Complaint narrative:
XXXX XXXX  for amount of {$1300.00}, XX/XX/year>. Ive asked this collection agency to provide valid documentation which they have not.

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 2025-06-14 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: MD

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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against the following financial institutions for placing unauthorized hard inquiries on my credit report without my knowledge or consent. These inquiries have negatively affected my credit score and were conducted without a permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 
Despite my efforts to contact the credit bureaus and the companies involved, these inquiries remain unresolved and improperly listed on my credit reports. I respectfully request that the CFPB investigate these violations and take appropriate action. 
Accounts in Dispute : XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize or initiate any application or transaction with XXXX XXXXXXXX on or around the date of this inquiry. This was an unauthorized hard inquiry made without my knowledge. 
Violation of Law : o FCRA 604 ( a ) ( 3 ) No permissible purpose established for accessing my credit report. 
o FCRA 616 Liability for obtaining a credit report under false pretenses.

o FCRA 607 ( a ) Duty of users of consumer reports to have a legal purpose. 
XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I have never applied for credit with XXXXXXXX XXXX, nor do I have any existing account or relationship with them. This hard inquiry was conducted without my consent. 
Violation of Law : o FCRA 604 ( a ) ( 3 ) Inquiries must have a legitimate and documented reason. 
o FCRA 616 and 617 Unauthorized inquiries are grounds for civil liability.

o FCRA 607 ( a ) XXXXXXXX XXXX failed to verify a lawful basis before obtaining my report. 
Requested Relief : Immediate deletion of the above unauthorized inquiries from all consumer reporting agencies ( Equifax, Experian, TransUnion ). 
A full investigation into the actions of XXXX XXXX and XXXXXXXX XXXX regarding unauthorized access. 
Sanctions, if applicable, for FCRA violations. 
Written confirmation of the outcome of this complaint and actions taken. 
These actions are urgent and necessary to correct the damage done to my credit profile and ensure that my rights under federal law are upheld.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-14 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX 

RE : Formal Request for Removal of Unauthorized Credit Inquiries Under 15 U.S. Code 1681b and 1681n To Whom It May Concern, I am writing to formally dispute certain inquiries that appear on my credit report issued by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish a consumer report only under certain permissible purposes.

Upon review of my credit report, I have identified one or more inquiries for which I did not authorize or initiate a credit transaction, nor did I grant permission for these entities to access my credit file. These inquiries were made without a permissible purpose as defined by 15 U.S. Code 1681b. As such, their presence on my report is a violation of federal law.

Furthermore, under 15 U.S. Code 1681n, any person or entity that willfully obtains a consumer report under false pretenses or knowingly without a permissible purpose is liable for damages. This statute provides for civil liability against entities that violate a consumers rights under the FCRA, including actual damages, statutory damages, punitive damages, and attorneys fees. 

Therefore, I am requesting the immediate removal of the following unauthorized inquiries from my credit file : 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 XXXX XXXX I request that your office investigate this matter and provide me with written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting the removal of the disputed inquiries.

If the inquirers claim to have had permissible purpose, I request documentation of the authorization I allegedly provided. If such documentation can not be provided, these inquiries must be removed in accordance with federal law.

Please consider this a formal dispute under the FCRA. You are obligated to complete your investigation within 30 days of receiving this notice, as per 15 U.S. Code 1681i. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX [ Social Security Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX

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 2025-06-14 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 submitting this complaint to request that TransUnion take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my TransUnion consumer credit report within 4 business days. The accounts, collections, hard inquiries in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as mentioned under the FCRA. The fraudulent information that needs to be removed includes the following : XXXX XXXX - XXXX XX/XX/2021 With a balance of {$10000.00} None of these accounts, collections, were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) I expect that TransUnion will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by law.I am submitting this complaint to request that TransUnion take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent accounts, collections, hard inquiries in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA.

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 2025-06-14 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: MA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  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. 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 MA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} INQUIRIES : 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 2025-06-14 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Re : Willful No

n-Compliance Demand for Immediate and Permanent DELETION of Unverified and Inaccurate Derogatory Data To whom it may concern, You are knowingly and unlawfully continuing to report inaccurate, unverified, and derogatory information on my credit file. This is a direct violation of multiple federal laws, including : * FCRA 609 ( 15 USC 1681g ) You have failed to provide full disclosure and proper verification of the accounts in question. Where is the original source documentation bearing my wet signature? * FCRA 605 ( 15 USC 1681c ) You are reporting obsolete and outdated negative data that legally should no longer appear on my report. * FCRA 1681e ( b ) You are not ensuring maximum accuracy of the information you report. * FCRA 1681i You failed to complete a proper reinvestigation when previously challenged. * Metro 2 Compliance Guidelines The reported data does not meet mandatory reporting accuracy and formatting standards. 
Additionally, my personal information was compromised in the XXXX  and XXXX XXXX XXXX XXXX, which legally invalidates any unverifiable or third-party data you continue to circulate without lawful documentation. 

XXXX XXXX # XXXX {$3400.00} opened XXXX. This fraudulent account was added because my information was exposed in your data breach and violated my rights u are required to permanently delete this item from my credit report.

You are in willful non-compliance. If you can not verify this derogatory item with complete and original source documentation, you are legally required to PERMANENTLY DELETE them. No partial redactions, no re-insertions, no stall tacticsDELETE them now.

You are now on formal notice. Failure to comply will result in legal escalation and complaints to the CFPB, FTC, and State Attorney Generals office. 
Respectfully, 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 2025-06-14 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: MD

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. 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX INQUIRIES : XXXXXXXX XXXX Date : XXXX XX/XX/year> 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Creditor : [ XXXX XXXX  ] Account Number ( partial ) : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reported Status : 30 Days Late Reported Past Due : {$98.00} Last Reported : XX/XX/XXXX This account is being reported as 30 days late and {$98.00} past due, however, the Equifax payment history grid for this same account clearly shows an OK status for XXXX and XX/XX/XXXX which is inconsistent and inaccurate. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to maintain and report only accurate and verifiable information. This contradiction violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN HAS FLAGED MY ACCOUNT STATING I HAVE A MAJOR DEROGITORY HIT ON MY PROFILE WITH XXXX XXXX XXXX I HAVE CONTACTED THE COMPANY XXXX AND NO SUCH ACCOUNT EXPERIAN AND MY PREVIOUS COMPLAINT PAST 30 DAYS OLD STILL PENDING MANIPULATING THE CREDIT SCORES SO I CAN GET RATED AND HIGHER INTEREST CHARGES AND DENIALS This is a ongoing complaint with me and unresolved

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