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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: OH

Complaint narrative:
They tried to contact me through people I know, my brother who lives in another country, on XXXX XXXX XXXX XXXX XXXX XXXX. They called him twice and left a voicemail. Also that same day they called my former landlords, they first contacted the owner and spoke to her asking for my phone number, 10 minutes later, they called her husband and left a voicemail. I haven't had contact with them for a long time, and I have never put their information as a reference. All the calls were generated the same day. I contacted the company the next day, they did not want to give me information until I gave them all my information, validated my identity, so I demanded that all communication be through postal mail, and that they stop all harassing calls.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX - I was never late on this account, please remove late payment history.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
The address and debt showing on my credit report is inaccurate. I have never lived at this address. I was not notified of this debt or address on my report and its affecting me heavily. I am still living at home with my parents as I have always been, saw this on my report because I was attempting to purchase my first vehicle. Also XXXX of the names showing on my report is incorrect.

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: NY

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXXXXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} CAPITAL XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXXE Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX/XXXX  Date : XX/XX/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 non-monetary relief
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: EQUIFAX, INC.
State: DE

Complaint narrative:
In XXXX, I was an authorized user on a joint vehicle loan with XXXX XXXX. My ex-wife, who managed payments from our joint account, missed payments, resulting in 30-day late marks reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was not informed of these missed payments at the time. These late marks have damaged my credit, leading to loan denials and higher interest rates. I disputed this with credit bureaus in XX/XX/XXXX, but the issue persists. I contacted XXXX for a goodwill adjustment but received no resolution. I request the late payments be removed from my credit reports due to lack of notice and unfair reporting, as I had no control over the payments. [ Date of last action : XX/XX/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: 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: DE

Complaint narrative:
In XXXX, I was an authorized user on a joint vehicle loan with XXXX XXXX. My ex-wife, who managed payments from our joint account, missed payments, resulting in 30-day late marks reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was not informed of these missed payments at the time. These late marks have damaged my credit, leading to loan denials and higher interest rates. I disputed this with credit bureaus in XX/XX/XXXX, but the issue persists. I contacted XXXX for a goodwill adjustment but received no resolution. I request the late payments be removed from my credit reports due to lack of notice and unfair reporting, as I had no control over the payments. [ Date of last action : 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 2025-06-09 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: DE

Complaint narrative:
In XXXX, I was an authorized user on a joint vehicle loan with XXXX XXXX. My ex-wife, who managed payments from our joint account, missed payments, resulting in 30-day late marks reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was not informed of these missed payments at the time. These late marks have damaged my credit, leading to loan denials and higher interest rates. I disputed this with credit bureaus in XX/XX/XXXX, but the issue persists. I contacted XXXX for a goodwill adjustment but received no resolution. I request the late payments be removed from my credit reports due to lack of notice and unfair reporting, as I had no control over the payments. [ Date of last action : 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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On Friday XX/XX/XXXX, I attempted to get a personal loan and was informed of an American Express account on my credit report that I have no knowledge of. I have never worked with AMEX or applied for anything through them. According to XXXX XXXX, the account says it was opened XX/XX/year> and has accumulated a balance of {$3200.00} and has me listed as an authorized user. On Monday XX/XX/XXXX, I called American Express about this, but was told that they don't have my social security number on file connected to any accounts.

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: NY

Complaint narrative:
I checked my credit profile and seen some inquiries that do not belong to me.

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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 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: TX

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX - I was never late on this account, please remove late payment history.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX - I was never late on this account, please remove late payment history.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : 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 XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2025-06-09 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: 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: NY

Complaint narrative:
> I am submitting this complaint regarding a negative XXXX XXXX account reporting on my credit reports. I previously disputed this tradeline through the credit bureaus, requesting a proper investigation and validation under the Fair Credit Reporting Act ( FCRA ). 

Rather than verifying the account or providing documentation, XXXX XXXX mailed me a letter ( dated XX/XX/year> ) requesting that I send them personal identifying information including my full Social Security number and full account number in order to investigate the matter. 

This violates the FCRA, specifically : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate information FCRA 623 ( b ) Furnishers must conduct a reasonable investigation upon receiving a dispute FCRA 607 ( b ) Credit reporting agencies must ensure maximum possible accuracy It is unacceptable for XXXX XXXX to report this debt under my name to all three credit bureaus and then claim they need my personal information to identify the account they are already furnishing. This is an improper and deceptive stall tactic that shifts the burden of proof onto the consumer in direct conflict with the purpose of the FCRA. 

If XXXX XXXX can not validate this account using the data they are already reporting, the account should be removed immediately from all consumer credit reports. 

I am requesting full deletion of this account due to failure to properly verify and noncompliance with federal credit reporting laws.

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: 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: NY

Complaint narrative:
> I am submitting this complaint regarding a negative XXXX XXXX account reporting on my credit reports. I previously disputed this tradeline through the credit bureaus, requesting a proper investigation and validation under the Fair Credit Reporting Act ( FCRA ). 

Rather than verifying the account or providing documentation, XXXX XXXX mailed me a letter ( dated XX/XX/year> ) requesting that I send them personal identifying information including my full Social Security number and full account number in order to investigate the matter. 

This violates the FCRA, specifically : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate information FCRA 623 ( b ) Furnishers must conduct a reasonable investigation upon receiving a dispute FCRA 607 ( b ) Credit reporting agencies must ensure maximum possible accuracy It is unacceptable for XXXX XXXX to report this debt under my name to all three credit bureaus and then claim they need my personal information to identify the account they are already furnishing. This is an improper and deceptive stall tactic that shifts the burden of proof onto the consumer in direct conflict with the purpose of the FCRA. 

If XXXX XXXX can not validate this account using the data they are already reporting, the account should be removed immediately from all consumer credit reports. 

I am requesting full deletion of this account due to failure to properly verify and noncompliance with federal credit reporting laws.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
> I am submitting this complaint regarding a negative XXXX XXXX account reporting on my credit reports. I previously disputed this tradeline through the credit bureaus, requesting a proper investigation and validation under the Fair Credit Reporting Act ( FCRA ). 

Rather than verifying the account or providing documentation, XXXX XXXX mailed me a letter ( dated XX/XX/year> ) requesting that I send them personal identifying information including my full Social Security number and full account number in order to investigate the matter.

This violates the FCRA, specifically : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate information FCRA 623 ( b ) Furnishers must conduct a reasonable investigation upon receiving a dispute FCRA 607 ( b ) Credit reporting agencies must ensure maximum possible accuracy It is unacceptable for XXXX XXXX to report this debt under my name to all three credit bureaus and then claim they need my personal information to identify the account they are already furnishing. This is an improper and deceptive stall tactic that shifts the burden of proof onto the consumer in direct conflict with the purpose of the FCRA. 

If XXXX XXXX can not validate this account using the data they are already reporting, the account should be removed immediately from all consumer credit reports. 

I am requesting full deletion of this account due to failure to properly verify and noncompliance with federal credit reporting laws.

Company response to consumer: Closed with non-monetary relief