vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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 is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries.

You are LEGALLY REQUIRED to block these items within four business days of receipt : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00}

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 2025-06-13 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: FL

Complaint narrative:
I am disappointed by the presence of inaccurate and unverified information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, I challenge the reportability of these claims. You are legally required to report only verified and accurate data.

I demand that you provide documented evidence supporting each of the accounts, inquiries, and personal information listed below. If you can not validate the data with verifiable evidence and a permissible purpose, you must DELETE the item ( XXXX ) from my report immediately. 

The following Personal Information is inaccurate and must be deleted : Incorrect Date of Birth : XXXX The following Hard Inquiries are unauthorized and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were not authorized, and no signed application or proof of consent exists. Listing them without documented permission is a direct violation of FCRA 1681b ( c ).

My credit report must reflect accurate, lawful, and fully compliant data. Ive raised these issues multiple times and still have not received sufficient action or correction.

If you fail to comply, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Send me written confirmation of deletion and an updated credit report reflecting all corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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 Address : XXXX XXXX XXXX XXXX IN XXXX ACCOUNTS : INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that e information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX ( Experian, Transunion & Equifax ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX ( Experian, Transunion & Equifax ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( Experian, Transunion & Equifax ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX XXXX ( Experian, Transunion XXXX Equifax ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX ( Experian ONLY ) XXXX Collection Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( Experian & Equifax ) XXXX Collections Date open : XX/XX/XXXX Charge offs : XXXX XXXX XXXX ( Experian, Transunion & Equifax ) XXXX charge off Date Opened XX/XX/XXXX XXXX XXXX ( Experian, Transunion & Equifax ) XXXX charge off Date Opened XX/XX/XXXXXXXX XXXX  ( Experian, Transunion & Equifax XXXX XXXX charge off Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-06-13 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: MD

Complaint narrative:
I am disputing inaccurate information on my account that violates my rights under the FCRA. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing the validity of the above account. According to the FCRA it should not be reporting this inaccurate information on my credit profile. 

According to the FCRA under section 603 data furnishers must report information that furnishes information regularly and in the ordinary course of business.

According to Transunions data reporting guidelines Data Providers should report consumer account updates once per month at the end of a billing cycle for their complete file ( accounts in good standing and delinquent accounts ). Notify TransUnion prior to making any changes to your reporting frequency.

Notice Transunion states the complete file should be reported with including good standing and delinquencies. 

This XXXX account does not meet the requirements of the FCRA section 603 nor does it meet the requirements that TransUnion has listed on their website.

This account is inaccurate. This account is listed as a utility company under the loan type section. There are only two types of credit and those are installments and revolving lines of credits. XXXX are neither. Therefore, this shouldnt be reporting to my credit report as this account has absolutely nothing to do with credit. 

This XXXX account states that the account was paid in full yet where it lists payment received the payment is listed as {$0.00}. That is inaccurate and unfair credit reporting. 

You are reporting that the high credit limit on this account is {$0.00}. You also reported the credit limit as {$0.00}. The past due amount is also reporting as {$0.00}. The monthly amount due is also being reported as {$0.00} You can not have a credit limit of {$0.00} a high balance of {$0.00} and a past due of {$0.00} with a monthly amount of {$0.00} due. 

In the remarks it states that you completed an investigation and that this account was closed by credit grantor and a paid collection. 

XXXX is not a grantor of credit! 

This is a violation! 

Your duty is to provide maximum possible accuracy according to FCRA section 611 Please delete this account from my credit file 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 2025-06-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CBC Companies, Inc.
State: GA

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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Good Day, I am appealing the case of my defective vehicle, which was not properly evaluated the 1st time filing this complaint. From the time I have filed this case, I have been having constant issues with my vehicle, which now falls under the lemon law for Genesis to replace this vehicle and give me a replacement vehicle or buy this back with compensation for not dealing with the issues, which is a safety concern for me as well. I am requesting for you all to buy this vehicle back and compensate me for lost wages and for safety issues with this vehicle, which my passengers life was endangered while driving. 1st of all, This vehicle cluster went out, 2nd, the motor fan got loud even after the vehicle was turned off, 3rd, the rear door came open while driving, got a picture of that, also, the light came on while driving. All these issues that arose were not able to be replicated or duplicated by repair shops, which they were not able to do anything about. Each time I took it in, the repair shop notated the issue and could not find any resolution, which falls under the lemon law. I am not satisfied with this vehicle and want Genesis to buy it back and put me into another one without pulling my credit. In addition, fraud was involved as well with the sales paperwork, a down payment was put down and I didn't not authorize a down payment, or put a down payment on the vehicle. I am addressing that as well because Genesis did give me a 1099-C and 1099-OID to cancel the debt because of the fraud. The vehicle should be paid off showing a balance of {$0.00}. Please make this happen as soon as possible.

Please see ALL evidence and repair orders and pictures taken showing the issues. Also, please see attached : 1099-A, 1099-OID, and 1099-C debt being XXXX due to fraud throughout the sales paperwork by the Genesis of XXXX Dealership. 
Thanks in advance, 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 explanation
Consumer complaint received 2025-06-13 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXXXXXX  To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Unverifiable & Inaccurate Reporting by XXXX and TransUnion ( XXXX Account ) Dear CFPB, I am filing a formal complaint against XXXX and TransUnion for the inaccurate and unverifiable reporting of an account labeled XXXX Account # XXXX that is appearing on both of my credit reports. 

This account was reported as a secured card, opened on XX/XX/XXXXXXXX XXXX and closed the same month. It is marked as Paid, Closed/Never Late, and listed as closed at the consumers request. However, this account is factually inaccurate and incomplete for the following reasons : 1. I never applied for a secured card with XXXX or any related institution. 
2. The reporting lacks required information such as : The name and contact information of the original creditor Terms, credit limit, balance, or payment history Any documentation verifying the existence of this account This item does not meet the accuracy or verifiability standards outlined in the Fair Credit Reporting Act ( FCRA ) and represents a clear violation of : 15 U.S. Code 1681b No permissible purpose existed for the furnishing or reporting of this item, as I never applied for this account. 
FCRA 602 ( A ) Consumers have the right to accurate and fair reporting.

FCRA 607 ( b ) Bureaus must maintain reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) I have the right to full disclosure of any and all information being reported.

FCRA 611 ( a ) Items disputed by consumers must be investigated and removed if unverifiable within 30 days. 

I initiated a dispute with both XXXXXXXX and TransUnion online, through their official consumer portals, and received no documentation proving that this account is valid, authorized, or complete. The bureaus failed to meet their legal obligation to verify the account or delete it. 

I am requesting that the CFPB intervene to ensure both XXXX  and TransUnion delete this unverifiable and unauthorized item from my credit reports permanently. 

Enclosed are : Screenshot of the disputed account on my credit report My online dispute summary Government-issued ID and utility bill as proof of identity A copy of this letter for your records Thank you for investigating this matter and enforcing my rights under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint Unverifiable & Inaccurate Reporting by XXXX XXXX XXXX XXXX CURRENTXXXX Account ) Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXX  for the inaccurate and unverifiable reporting of an account labeled CURRENT/XXXX Account # XXXX that is appearing on both of my credit reports. 

This account was reported as a secured card, opened on XX/XX/XXXX, and closed the same month. It is marked as Paid, Closed/Never Late, and listed as closed at the consumers request. However, this account is factually inaccurate and incomplete for the following reasons : 1. I never applied for a secured card with CURRENT/XXXX or any related institution. 
XXXX. The reporting lacks required information such as : The name and contact information of the original creditor Terms, credit limit, balance, or payment history Any documentation verifying the existence of this account This item does not meet the accuracy or verifiability standards outlined in the Fair Credit Reporting Act ( FCRA ) and represents a clear violation of : 15 U.S. Code 1681b No permissible purpose existed for the furnishing or reporting of this item, as I never applied for this account. 
FCRA XXXX ( A ) Consumers have the right to accurate and fair reporting. 
FCRA XXXX ( b ) Bureaus must maintain reasonable procedures to assure maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) I have the right to full disclosure of any and all information being reported. 
FCRA XXXX ( a ) Items disputed by consumers must be investigated and removed if unverifiable within 30 days. 

I initiated a dispute with both XXXX XXXX XXXX online, through their official consumer portals, and received no documentation proving that this account is valid, authorized, or complete. The bureaus failed to meet their legal obligation to verify the account or delete it. 

I am requesting that the CFPB intervene to ensure both XXXX XXXX XXXX  delete this unverifiable and unauthorized item from my credit reports permanently. 

Enclosed are : Screenshot of the disputed account on my credit report My online dispute summary Government-issued ID and utility bill as proof of identity A copy of this letter for your records Thank you for investigating this matter and enforcing my rights under the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I have been unable to reach a resolution regarding inaccurate information on my credit report despite sending in documentation and communicating directly with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-13 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation