vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate, unverifiable, and unlawfully reported information contained in my consumer credit file. My dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal consumer protection laws. 

1. CONFIRMED DATA BREACH & IDENTITY COMPROMISE I have received documented alerts confirming that my personally identifiable information ( PII ), including my Social Security Number, was exposed in multiple third-party data breaches, including but not limited to : Telecommunications data breaches Public data aggregation sources Credit industry service providers These exposures were confirmed through monitoring alerts and dark-web scan results. As a result, any subsequent access, inquiry, or disclosure of my credit file must be presumed compromised unless strict authorization is proven. 

Pursuant to FCRA 1681b, consumer reports may only be furnished for a permissible purpose, supported by written authorization. Exposure through a data breach nullifies presumed consent. 



2. DISPUTED HARD INQUIRIES NO PERMISSIBLE PURPOSE I dispute the following inquiries appearing on my credit file, which were made without my valid authorization and during a period of known data compromise : Automotive and finance-related inquiries dated XX/XX/year> Credit acceptance and dealership-related inquiries Third-party finance inquiries linked to exposed data sources These inquiries do not meet permissible purpose requirements under FCRA 1681b ( a ) and are therefore inaccurate and unlawfully reported.

3. LEGAL BASIS FOR DELETION Under the FCRA, you are required to : Conduct a reasonable reinvestigation ( 1681i ( a ) ( 1 ) ) Delete unverifiable or inaccurate data ( 1681i ( a ) ( 5 ) ) Maintain maximum possible accuracy ( 1681e ( b ) ) Prevent unauthorized furnishing of consumer reports ( 1681b ) Please note : A data furnishers automated or conclusory response does not satisfy the standard of a reasonable reinvestigation ( see XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ). 



4. DEMAND FOR STRICT PROOF If you contend that any disputed inquiry is valid, please provide documentary evidence, including : 1. A copy of my wet-ink signed authorization 2. The exact permissible purpose relied upon 3. The method of verification used 4. The date, time, and recipient of the disclosure Failure to provide this information requires deletion, not correction XXXX XXXX XXXX XXXX, XXXX - needs documentary verification

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 2025-12-24 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: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because TRANSUNION has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  ) Account # XXXX Date Opened : XX/XX/year>

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-24 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
XXXX XXXX  was open and closed and paid in a settlement in 2018. I disputed the matter with Experian several times and they refuse to remove it, the statute of limitations is after 7 years it needs to come off my credit. I have disputed several times and they will not remove it. Please try and get this removed from my credit. Thank you 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 2025-12-24 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
I am submitting this complaint regarding XXXX Banks continued furnishing of an account identified as identity theft and XXXX continued reporting of that account after receipt of a valid Identity Theft Report, in violation of the Fair Credit Reporting Act. 

I submitted a sworn FTC Identity Theft Report, a police report, and government-issued identification identifying the XXXX XXXX account as fraudulent and unauthorized. Despite receipt of this documentation, XXXX continues to furnish the account to Equifax, and Equifax continues to report it. 

During the dispute process, Equifax advised that it relied solely on XXXX certification of accuracy and did not review or obtain documentary evidence demonstrating that the account was opened or authorized by me. XXXX has not provided me with any documentation showing that I applied for, authorized, or benefited from this account. 

Additionally, the account continues to be updated and reported monthly as a charged-off balance despite the identity theft documentation on file, resulting in ongoing harm. Neither XXXX nor Equifax has provided written proof of authorization, written proof of certification, or a lawful basis for continuing to report this account after receipt of an Identity Theft Report. 

These actions constitute : XXXX failure to reasonably investigate and substantiate the account after notice of identity theft XXXX continued furnishing of identity-theft-related information without verification XXXX failure to block the account as required under 15 U.S.C. 1681c-2 ( FCRA 605B ) Continued reporting of disputed identity-theft information under 15 U.S.C. 1681i I provided written notice and supporting documentation and afforded both parties an opportunity to cure. The violations remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Date : XX/XX/2025 Re : Credit Report Dispute Midland Credit Management XXXX Account Number : XXXX Original Creditor : XXXX XXXX  ( XXXX ) Balance Reported : {$2700.00} To Whom It May Concern, I am writing to formally dispute the accuracy of the above-referenced account being reported by Midland Credit Management , Inc. on my consumer credit report. 

This account is currently in dispute with the furnisher. I have requested full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and to date, Midland Credit Management has not provided proper verification of this alleged debt. 

Specifically, the following information is disputed : - Ownership of the alleged debt - Accuracy of the balance reported - Verification that the debt is legally owed by me- Proper documentation supporting the account Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to investigate this dispute and remove or correct any information that can not be verified as accurate and complete.

Please conduct a reasonable investigation and provide written confirmation of the results. If Midland Credit Management can not verify this account with competent evidence, it must be deleted from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have had a PayPal account for XXXX years and have been using their credit and savings accounts since XXXX On XX/XX/XXXX I tried to log in to my account using the same app and auto login features I always have. When the app opened it did not show my High yield savings account with around {$13000.00} in it as well as my credit account with about XXXX of debt. Next I tried using the help center within the app to try to solve the problem. The representative told me I must have a second account that I've just opened on XX/XX/XXXX and logged into and then closed the conversation after sending me a phone number for Paypal credit. Although my statements don't show any transactions I can pull up statements dating back to XXXX which should be impossible if I just opened the account. I doubled checked and all my communications have been through my yahoo email, which was the same email I was currently logged into my account with. I have proof of deposits into a savings account that " doesn't exist '' When I call PayPal credit, after spending a ridiculous amount of time talking to a bot which does confirm the existence of the credit account but not my {$13000.00} savings. Once I finally am able to talk to a human the call is dropped within XXXX seconds. This happened once on XX/XX/XXXX and twice on XX/XX/XXXX. 

Next I also plan to reach out to Synchrony Bank who is in financial institution PayPal uses for banking. 

Currently bidding on houses and suddenly have no down payment available

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 monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing this complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Equifax is reporting inaccurate personal identifying information, including a misspelled name ( XXXX ) that has never been my name, creating a risk of file contamination and mixed reporting. Equifax has also failed to maintain accurate address information. 

Additionally, Equifax continues to report multiple inaccurate and unverifiable tradelines, including contradictory delinquency histories on XXXX XXXX XXXX XXXX XXXX are internally inconsistent and can not be factually correct. Equifax is also reporting obsolete, closed, zero-balance accounts that exceed the permissible reporting period and lack a date of last activity. 

Equifax unlawfully reinserted a XXXX XXXX tradeline that was previously deleted by other consumer reporting agencies due to failure to validate, without providing certification of accuracy or notice as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Late payments associated with this tradeline are false and harmful. 

Equifax is also reporting an unauthorized hard inquiry by XXXX XXXX XXXX XXXX for which I did not apply, consent, or initiate any transaction, and which lacks a permissible purpose under 15 U.S.C. 1681b. 

Despite my disputes and supporting documentation, Equifax has failed to conduct a reasonable reinvestigation, failed to ensure maximum possible accuracy, and continues to publish inaccurate and unverifiable information. These actions have caused concrete harm, including denial of credit opportunities and emotional distress. 

I am requesting that the CFPB require Equifax to immediately delete or correct all disputed items, cease unlawful reinsertion practices, remove the unauthorized inquiry, and bring my consumer file into full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
I am filing this complaint regarding a hard inquiry appearing on my consumer credit report that is inaccurate and lacks a permissible purpose under the Fair Credit Reporting Act. 

The inquiry listed as [ XXXX XXXX BANK ] on or about [ XX/XX/year> ] appears on my credit report, however I did not authorize, apply for, or initiate any credit transaction with this company. 

Under 15 U.S.C. 1681b, a consumer reporting agency XXXX only report a credit inquiry if there is a valid permissible purpose. No such purpose exists in this instance. 

I disputed this inquiry directly with the XXXX XXXX agency. Under 15 U.S.C. 1681i ( a ) ( 1 ), the bureau is required to conduct a reasonable investigation and verify the accuracy of the information. The inquiry remains on my report, despite no evidence of authorization being provided. Additionally, the continued reporting of this inquiry violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer 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 explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am unaffiliated with these accounts and demand that they be removed within 15 days in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-12-24 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-12-24 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: VA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 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: TX

Complaint narrative:
Asked for debt validation and cease and desist of contacting me. Nothing was shown and calls never stocked.

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