vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
DEPT OF EDUCATIONXXXX Balance updated : XX/XX/year>, Past due amount : {$1100.00} DEPT OF EDUCATIONXXXX Balance updated : XX/XX/year>, Past due amount : {$450.00} DEPT OF EDUCATIONXXXX Balance updated : XX/XX/year>, Past due amount : {$830.00}

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 explanation
Consumer complaint received 2025-06-12 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:
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 XXXXXXXX CA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} INQUIRIES XXXX XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: OR

Complaint narrative:
I am a 100 % XXXX & XXXX XXXX XXXX. Veteran, and I recently received over {$27000.00} in XXXX from the Department of Veterans Affairs due to years of missed and delayed payments caused by VA processing XXXX  This XXXX was issued to correct a hardship that directly led to a delinquency on a US Bank credit card, which has since been charged off and is still negatively affecting my credit. 

The account now shows {$2700.00} past due and has been reporting monthly charge-off status updates. However, this is misleading and unfair reporting, as the delinquency stemmed entirely from a government-recognized hardship. I now have documentation showing : 100 % XXXX XXXX XXXX XXXX XXXXXXXX status XXXX issued retroactively correcting the hardship The hardship period aligning with the reported delinquency I contacted multiple US Bank executives and requested that the tradeline either be deleted in full or at minimum updated to reflect Settled resolved due to verified VA hardship. I also requested that all collection-related calls stop immediately. 

So far, the company has not corrected the reporting, continues to allow collection calls, and has not addressed the VA documentation I provided. 

This account is being reported in a materially misleading way under the FCRA and fails to reflect the true nature of the delinquency. I am requesting : 1. Full deletion of this tradeline from all credit bureaus 2. Or, accurate update to reflect : Settled due to verified veteran hardship 3. A formal stop to collection communications

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 2025-06-12 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 am writing to formally dispute the reporting of a Collection with XXXX credit card account that appears on my credit reports. I was shocked to discover this derogatory tradeline after my loan officer pulled my credit during the home loan process. I have never authorized or consented to being added as an authorized user on this account, and I do not recognize it in any way. This unauthorized account is now significantly impacting my credit scores and debt-to-income ratio, putting my pending home loan at serious risk. I have never opened this account, never used the card, and never agreed to be liable for any charges associated with it. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Because I did not authorize this account and have no association with it, I am demanding that XXXX immediately investigate this matter and delete this tradeline from all of my credit reports

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 2025-06-12 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:
I am writing to formally dispute the reporting of a Collection with XXXX credit card account that appears on my credit reports. I was shocked to discover this derogatory tradeline after my loan officer pulled my credit during the home loan process. I have never authorized or consented to being added as an authorized user on this account, and I do not recognize it in any way. This unauthorized account is now significantly impacting my credit scores and debt-to-income ratio, putting my pending home loan at serious risk. I have never opened this account, never used the card, and never agreed to be liable for any charges associated with it. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. Because I did not authorize this account and have no association with it, I am demanding that XXXX immediately investigate this matter and delete this tradeline from all of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2 ( b ), to dispute the inaccurate and inconsistent reporting of my account with XXXX ending in XXXX. 

There are several material inconsistencies across the three major credit bureaus : Date of last activity : Reported as XX/XX/XXXX by TransUnion, XX/XX/XXXX by Experian, and XX/XX/XXXX by Equifax. 
Date reported : Varies between bureaus ( TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Equifax : XX/XX/XXXX ). 
Creditor remarks and charge-off explanations differ, making the status unclear and unverifiable. 
Last payment date differs between bureaus. 
Payment history is contradictory : Experian shows extensive late payments and charge-offs, while TransUnion reports no payment data and Equifax shows minimal derogatory info.

Because this data is inconsistent and violates the FCRA 's accuracy and completeness requirements, I request that this account be removed from my credit report if it can not be reliably verified and corrected across all agencies.

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 2025-06-12 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:
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
Consumer complaint received 2025-06-12 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 GA XXXX ACCOUNTS : INQUIRIES : XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 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 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 non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
Debt Collection Validation Complaint to CFPB Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Debt Collection Validation Request and Dispute under 15 U.S.C. 1692g Issue Type : The company is attempting to collect a debt that I do not believe I owe, and they have not provided proper validation.

Company Names Involved : - XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX Details of the Complaint : I am filing a formal complaint against the above-mentioned debt collectors regarding accounts they claim I owe. These debts are under dispute and are being reported on my credit file. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I submitted a debt validation request and have not received a proper response.

I am specifically requesting that each company provide the following documentation for the debts listed : 1. A full and complete payment history on the account, showing all charges, interest, payments, fees, and adjustments made over time.

2. A signed contract or agreement bearing my signature, showing that I agreed to the debt in question.

3. Disclosure of any insurance claims or payments that have been applied to this debt.

4. The full chain of title showing all ownership and transfer of the account from the original creditor to the current collection agency, including dates and legal assignments.

Despite my written dispute and request for validation, the companies continue to report the accounts to the credit bureaus and/or attempt to collect on the debts without providing the legally required documentation.

The accounts are as follows : 1. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$2100.00} - Status : Collection account 2. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$1800.00} - Status : Collection account 3. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$7000.00} - Status : Collection account Requested Resolution : I am requesting that the CFPB investigate these companies for failure to comply with the FDCPA. Unless the debt collectors can provide the full validation documentation as listed above, I request that : - All collection activities cease immediately ; - The accounts be deleted from all credit reporting agencies ; - And that I receive written confirmation of these actions. 

This complaint is being submitted in good faith and in accordance with my legal rights. I have retained proof of my communications and will cooperate fully with any further inquiries. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Debt Collection Validation Complaint to CFPB Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Debt Collection Validation Request and Dispute under 15 U.S.C. 1692g Issue Type : The company is attempting to collect a debt that I do not believe I owe, and they have not provided proper validation.

Company Names Involved : - XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX Details of the Complaint : I am filing a formal complaint against the above-mentioned debt collectors regarding accounts they claim I owe. These debts are under dispute and are being reported on my credit file. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I submitted a debt validation request and have not received a proper response.

I am specifically requesting that each company provide the following documentation for the debts listed : 1. A full and complete payment history on the account, showing all charges, interest, payments, fees, and adjustments made over time.

2. A signed contract or agreement bearing my signature, showing that I agreed to the debt in question.

3. Disclosure of any insurance claims or payments that have been applied to this debt.

4. The full chain of title showing all ownership and transfer of the account from the original creditor to the current collection agency, including dates and legal assignments.

Despite my written dispute and request for validation, the companies continue to report the accounts to the credit bureaus and/or attempt to collect on the debts without providing the legally required documentation.

The accounts are as follows : 1. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$2100.00} - Status : Collection account 2. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$1800.00} - Status : Collection account 3. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$7000.00} - Status : Collection account Requested Resolution : I am requesting that the CFPB investigate these companies for failure to comply with the FDCPA. Unless the debt collectors can provide the full validation documentation as listed above, I request that : - All collection activities cease immediately ; - The accounts be deleted from all credit reporting agencies ; - And that I receive written confirmation of these actions. 

This complaint is being submitted in good faith and in accordance with my legal rights. I have retained proof of my communications and will cooperate fully with any further inquiries. 

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9800.00}

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 2025-06-12 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

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