vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
I am submitting a complaint regarding incorrect personal information being reported by the credit bureau ( s ). Specifically, there is an address listed on my credit report that is outdated, inaccurate, or not associated with me. 
( XXXX XXXX  cir. XXXX, Tx XXXX ) I have previously disputed this address with [ Experian/TransUnion/Equifax ] XXXX but the bureau failed to properly investigate and remove the incorrect information. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be included in a consumer report. 

I have provided proof of my current address and identification, and I am requesting that the address in question be permanently removed from my file. 

I am requesting a full investigation into how this address was added, who verified it, and a copy of that verification per Section 611 of the FCRA. 

If the address can not be verified or validated, it must be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
I am submitting a complaint regarding incorrect personal information being reported by the credit bureau ( s ). Specifically, there is an address listed on my credit report that is outdated, inaccurate, or not associated with me. 
( XXXX XXXX  cir. XXXX, Tx XXXX ) I have previously disputed this address with [ Experian/TransUnion/Equifax ] XXXX but the bureau failed to properly investigate and remove the incorrect information. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be included in a consumer report. 

I have provided proof of my current address and identification, and I am requesting that the address in question be permanently removed from my file. 

I am requesting a full investigation into how this address was added, who verified it, and a copy of that verification per Section 611 of the FCRA. 

If the address can not be verified or validated, it must be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
I recently reviewed my credit report and found that one of my accounts is not being reported accurately on a XXXX XXXX account ending in XXXX. Specifically, three late payments are being shown in XXXX and XXXX, even though these payments were made on time. 

As required by law, consumer reporting agencies must ensure that all information is reported with complete accuracy. This account has never been late. I have attached a copy of my credit report highlighting the inaccurate entries, along with the relevant dates, for your review. I am now formally requesting that you investigate this matter and provide verifiable documentation proving these late payments. 

If the information can not be verified with proper records, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect late payments removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention and prompt action on this matter.

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 2025-07-20 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: MI

Complaint narrative:
I recently reviewed my credit report and found that one of my accounts is not being reported accurately on a XXXX XXXX account ending in XXXX. Specifically, three late payments are being shown in XXXX and XXXX, even though these payments were made on time. 

As required by law, consumer reporting agencies must ensure that all information is reported with complete accuracy. This account has never been late. I have attached a copy of my credit report highlighting the inaccurate entries, along with the relevant dates, for your review. I am now formally requesting that you investigate this matter and provide verifiable documentation proving these late payments. 

If the information can not be verified with proper records, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect late payments removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention and prompt action on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Credit Management, Inc.
State: LA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Access Credit Management Address : Account number : Your NAME : XXXX XXXX XXXX Your XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To fairly and legally resolve this matter in compliance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666B, I respectfully request that : Permanently delete the inaccurate and unverifiable late payment reporting for the following accounts : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Conduct a full reinvestigation, including requiring the creditor to provide dated evidence of proper notice before the negative information was furnished. 

If no valid and documented proof of notification and billing accuracy exists, delete these accounts or the specific late marks immediately, as they constitute : A billing error under 15 U.S.C. 1666B ( in the case of XXXX XXXX  ), and A failure to maintain accurate data under FCRA 1681e ( b ).

Provide me with a corrected copy of my credit file and written confirmation of any deletions within 15 business days. 

Failure to comply will result in further action including regulatory complaints and potential legal claims under FCRA 616 for statutory damages of up to {$1000.00} per violation, plus actual damages and legal fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MD

Complaint narrative:
Subject : Equifax Data Breach Dispute Demand for Immediate Deletion of Fraudulent Accounts Based on CFPB Action To Whom It XXXX Concern, I am formally disputing the presence of the following accounts on my credit file, which I believe are the result of identity theft stemming from the Equifax XXXX breacXXXX 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 XXXXXX/XX/XXXX As you are well aware, the Equifax breach in XXXX exposed sensitive personal data for over XXXX XXXX Americans, including critical identifiers such as Social Security numbers and credit card information. Given the nature and suspicious origination of these accounts, I have reason to believe they were fraudulently opened without my authorization using compromised information from that breach. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I am exercising my right to dispute these accounts and demand their immediate and permanent deletion from my credit file.

Additionally, the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian reinforces my demand. The CFPB alleged that Experian has failed to properly investigate disputed information and has continued to report unverifiable or inaccurate data violations that directly harm consumers, especially in cases involving identity theft from known data breaches. 

Based on the above, I am demanding the immediate deletion of the accounts in question. If you can not prove these accounts were lawfully opened with my full authorization, they must be removed in accordance with federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-20 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: MI

Complaint narrative:
I recently reviewed my credit report and found that XXXX of my accounts is not being reported accurately on a XXXX XXXX account ending in XXXX. Specifically, XXXX late payments are being shown in XXXX, even though these payments were made on time. 

As required by law, consumer reporting agencies must ensure that all information is reported with complete accuracy. This account has never been late. I have attached a copy of my credit report highlighting the inaccurate entries, along with the relevant dates, for your review. I am now formally requesting that you investigate this matter and provide verifiable documentation proving these late payments. 

If the information can not be verified with proper records, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect late payments removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention and prompt action on this matter.

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 2025-07-20 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: MI

Complaint narrative:
I recently reviewed my credit report and found that XXXX of my accounts is not being reported accurately on a XXXX XXXX account ending in XXXX. Specifically, XXXX late payments are being shown in XXXX, even though these payments were made on time. 

As required by law, consumer reporting agencies must ensure that all information is reported with complete accuracy. This account has never been late. I have attached a copy of my credit report highlighting the inaccurate entries, along with the relevant dates, for your review. I am now formally requesting that you investigate this matter and provide verifiable documentation proving these late payments. 

If the information can not be verified with proper records, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect late payments removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention and prompt action on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-20 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-20 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: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B and I need these accounts blocked and removed off my credit report within 4 days of receiving this ftc report. I have provided all the documentation multiple times they failed to investigate and remove these fraudulent accounts and also address that are not mine I have also attached a Bill with my address and name with my Identification to verify myself with the ftc report to have these accounts and addresses removed from my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DoFed XXXX XXXX XXXX XXXX XXXX XXXX XXXX DoFed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, XXXX XXXX XXXX XXXX XXXX Fl 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 2025-07-20 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: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B and I need these accounts blocked and removed off my credit report within 4 days of receiving this ftc report. I have provided all the documentation multiple times they failed to investigate and remove these fraudulent accounts and also address that are not mine I have also attached a Bill with my address and name with my Identification to verify myself with the ftc report to have these accounts and addresses removed from my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DoFed XXXX XXXX XXXX XXXX XXXX XXXX XXXX DoFed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, XXXX XXXX XXXX XXXX XXXX Fl XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-20 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
Account number : XXXX XXXX above account is shown on my consumer credit report in collection status. According to Mississippi statue of limitation laws, attempting to collect a debt after three years is illegal. The fact that this debt has been canceled by XXXX XXXX via 1099-C with the IRS, it is considered a certificate of indebtedness, which is considered taxable income to me. By law my income can not be reported on my consumer credit report. Also this debt is past 7 years old it should not be still reporting on my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
Account number : XXXX XXXX above account is shown on my consumer credit report in collection status. According to Mississippi statue of limitation laws, attempting to collect a debt after three years is illegal. The fact that this debt has been canceled by XXXX XXXX via 1099-C with the IRS, it is considered a certificate of indebtedness, which is considered taxable income to me. By law my income can not be reported on my consumer credit report. Also this debt is past 7 years old it should not be still reporting on my consumer credit report.

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