vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( XXXX  ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX * * * * ] FCRA SECTION XXXX RIGHT TO PRIVACY ( XXXX U.S.C. XXXX ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA XXXX XXXX ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( XXXX U.S.C. XXXX ) Pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
XXXX XXXX XXXX IMPROPER LATE PAYMENT DESIGNATION ( XXXX U.S.C. XXXX ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under XXXX U.S.C. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
This is a legitimate complaint that requires immediate action. My credit report contains inaccurate information that clearly fails to meet the mandated standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial standing and overall well-being. I demand a prompt and thorough investigation, followed by the immediate correction or removal of the false information. Resolving this issue is not optional it is imperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
In XXXX, I found a collection account from Eastern Account System for XXXX XXXX on my credit report. I have no knowledge of this account and did not authorize any services or agreements with XXXX. I reported the account as identity theft and submitted a formal dispute to the credit bureaus, yet it was marked as " verified '' without valid proof or investigation. 

The account was supposedly opened in XX/XX/XXXX and updated in XX/XX/XXXX, even after I had reported the fraud. This appears to be an error or an abuse of reporting rules under the Fair Credit Reporting Act ( XXXX  ), specifically Section XXXX, which protects victims of identity theft from continued harm. 

This situation has caused undue stress and negatively affected my credit despite my timely actions and compliance with the reporting process. I am now seeking full removal of this account and accountability for any improper handling of my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I noticed unauthorized inquries on my credit report that I would like removed immediately according to the FCRA these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I noticed unauthorized inquries on my credit report that I would like removed immediately according to the FCRA these unverified and unauthorized items must be removed.

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 2025-06-09 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: SC

Complaint narrative:
I recently started looking to buy a home. Upon checking my credit report, I noticed several inquiries and a credit card account that I did not authorize. Please remove these fraudulent inquiries and the credit card account from my report immediately. Delete hard inquiries : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Delete account number : XXXX * * * * Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
RE : Fraudulent Accounts and Inquiries Immediate Action Required ( XXXX : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : XXXX XXXX XXXX ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : XXXX XXXX. XXXX Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
XXXX XXXX XXXX Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Inquiries : XXXX. XXXX Date of inquiry : XX/XX/year> These accounts and inquiries were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts and inquiries are not deleted, and an updated consumer report is not sent to me promptly as mandated under XXXX XXXX XXXX ( XXXX ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights. 
Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to formally request the immediate removal of a fraud alert from my credit file. 

My name is XXXX XXXX XXXX, and I previously requested a fraud alert as a precautionary measure. However, I no longer believe this alert is necessary. Despite my written request to have the alert removed, it remains on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to add or remove fraud alerts from my credit report as needed. Keeping this alert in place is now causing unnecessary obstacles and delays in my financial activities, including credit approvals and account openings. 

I am attaching valid identity verification documents, including my government-issued ID and proof of address, to support this request. 

I am requesting that the credit reporting agency promptly : Remove the fraud alert from my credit report Provide written confirmation once the removal has been completed I appreciate CFPBs assistance in resolving this issue with the credit reporting agency.

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 2025-06-10 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:
I am submitting this complaint to formally request the immediate removal of a fraud alert from my credit file. 

My name is XXXX XXXX XXXX, and I previously requested a fraud alert as a precautionary measure. However, I no longer believe this alert is necessary. Despite my written request to have the alert removed, it remains on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to add or remove fraud alerts from my credit report as needed. Keeping this alert in place is now causing unnecessary obstacles and delays in my financial activities, including credit approvals and account openings. 

I am attaching valid identity verification documents, including my government-issued ID and proof of address, to support this request. 

I am requesting that the credit reporting agency promptly : Remove the fraud alert from my credit report Provide written confirmation once the removal has been completed I appreciate CFPBs assistance in resolving this issue with the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
I am submitting a formal complaint regarding two credit accounts that I believe may have been securitized, yet are still being reported on my credit report as if they are active obligations with the original creditors : XXXX. XXXX XXXXXXXX XXXX  Account ending in XXXX XXXX. XXXX XXXX XXXX Account ending in XXXX My concern is that these accounts may have been sold or transferred through securitization, and as a result, the original creditors may no longer retain ownership or servicing rights. However, they continue to be reported to the credit bureaus under the names of the original creditors. 

I have attempted to dispute and verify the accuracy of these tradelines, but I have not received sufficient documentation confirming who currently owns or services these debts. If these accounts were indeed securitized and are no longer validly owned by the reporting parties, their continued reporting may violate the Fair Credit Reporting Act ( FCRA ) and/or Fair Debt Collection Practices Act ( FDCPA ).

I respectfully request that the CFPB review this matter and help ensure that all credit reporting entities and original creditors are complying with federal laws governing the accuracy of consumer credit information. 

Thank you for your assistance. 

Sincerely, 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 2025-06-09 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: TN

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no XXXX XXXX involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TN

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no XXXX XXXX involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-09 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: GA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX ACCT # XXXX * * * Dear Sir/Madam, I am writing in response to your recent communication regarding the debt you claim I owe. Pursuant to the Fair Debt Collection Practiced Act, XXXX USC XXXX, I am requesting validation of this debt. 
I am requesting the following information : XXXX. The amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. Verification that you are license to collect debt in my state. 
XXXX. Proof that the statue of limitation on this debt has not expired. 
XXXX. Documentation showing that I agree to pay this debt. 
Please provide the request validation within XXXX  days from the date of this letter. Until I receive adequate verification, I expect all collection activities to cease Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Nelnet, Inc.
State: GA

Complaint narrative:
I am filing this complaint to report a case of identity theft that has affected my credit reports. I previously disputed and had these items removed due to confirmed identity theft. However, it has been re-reported to my credit report, which is both distressing and incorrect. 

This item should not have been reinserted, as I have already submitted all necessary documentation to the credit bureaus and relevant financial institutions, including : A police report confirming the identity theft An identity theft affidavit Prior dispute documentation proving this account was fraudulently opened without my consent This re-reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me significant financial and emotional harm. I am requesting the Consumer Financial Protection Bureau to review this matter and take immediate action to : Investigate why this account was reinserted despite being previously resolved Ensure this item is permanently removed from all three credit bureaus Prevent any future re-reporting of this fraudulent account Please see the attached police report and supporting documentation for your review. I appreciate your time and attention to this urgent matter.

Company response to consumer: Closed with explanation