vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-11 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: TX

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n \nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX XXXX XXXXXXXX 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 2025-11-11 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n \nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my 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 explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX [ Debt Collectors Name ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Va XXXX Subject : Request for Debt Validation and Assignment DocumentationRe : Account Number XXXX To Whom It May Concern, I am writing in response to your [ letter/phone call/email ] dated [ insert date ] regarding the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and applicable Virginia debt collection laws ( Va. Code 6.2-1900 et seq. ), I am formally requesting validation and verification of this alleged debt.

Please provide the following documentation : 1. The name and address of the original creditor and the account number associated with the alleged debt.

2. The amount of the debt, including a detailed breakdown of any interest, fees, or other charges.

3. A copy of the original signed agreement or contract establishing the debt.

4. A complete payment history, showing how the amount you claim was calculated.

5. All assignment, sale, or transfer agreements or other documentation establishing the chain of title showing how the debt was legally assigned or sold from the original creditor to your company ( and to any prior debt owners, if applicable ).

6. Proof that your agency is licensed to collect debts in the XXXXXXXX XXXX XXXX as required under Virginia XXXXode 6.2-1902. Please include your license number and issuing authority.

Please note that this letter constitutes a dispute of the alleged debt and a request for validation under 15 U.S.C. 1692g ( b ). Accordingly, you must cease all collection activity and refrain from reporting this account to any credit reporting agencies until you have provided full and complete verification as requested. 
If you are unable to provide sufficient validation or assignment documentation, please confirm in writing that you will close your file and cease all further communication regarding this matter. 
Thank you for your cooperation and timely response. I expect your reply within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TX

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 XX/XX/XXXX -- {$14000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-11-11 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: NJ

Complaint narrative:
I am writing to formally request the immediate removal of derogatory marks from my credit report that are either inaccurate, outdated, or unverifiable. As a consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect, incomplete, or can not be verified. I believe that the following derogatory marks do not meet these standards, and I am requesting they be removed immediately to reflect accurate and fair credit information. 

1. Account Name : [ XXXX XXXX XXXX ] Date of Derogatory Mark : [ XX/XX/XXXX ] Type of Derogatory Mark : [ XXXX ] XXXX. Account Name : [ XXXX XXXX XXXX ] Date of Derogatory Mark : [ XX/XX/XXXX ] Type of Derogatory Mark : [ Collection ] Given the legal obligations under the FCRA, I am requesting the immediate removal of these derogatory marks from my credit report. If you can not verify these entries within the required XXXX period, you must remove them from my credit report. Additionally, I request that you provide me with an updated copy of my credit report once the changes have been made. 

I appreciate your prompt attention to this matter and expect the derogatory marks to be removed immediately, as required by law.

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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several companies have illegally accessed my credit report, causing severe and direct harm to my credit standing and credit score.

I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be eliminated.

That promise has been blatantly broken these inquiries persist without any justification. 
This outrageous failure to act is intolerable and shows a complete disregard for consumer rights. 
The ongoing presence of these clearly fraudulent entries is extremely alarming and strongly indicates identity theft. 
This unresolved issue is causing relentless emotional and financial harm that must be stopped 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 explanation
Consumer complaint received 2025-11-11 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: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
Diversified Adjustment Service , Inc. is reporting and attempting to collect XXXX XXXX XXXXcount. They have not provided any proof of ownership, no original signed agreement, and no itemized accounting of the alleged balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nEquifax Information Services, LLC\nXXXX XXXX XXXX XXXX XXXX\nSubject: Follow-Up on Dispute of Inaccurate Information on My Credit Report\n\nDear Equifax,\n\nI am writing to follow up on my previous dispute regarding inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
I submitted a formal dispute to Equifax regarding an account that is being inaccurately reported on my credit file. I provided all necessary information and requested a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ). However, Equifax failed to correct or remove the inaccurate information, and the account continues to appear on my credit report. 

This unresolved and inaccurate reporting is causing ongoing harm to my credit profile and is a clear violation of my rights under the FCRA. I have made good faith efforts to resolve this matter directly with Equifax, yet no meaningful action has been taken to ensure the accuracy and completeness of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: VA

Complaint narrative:
I am disputing the XXXX XXXX XXXX  account reporting on my credit file. This account is not mine and appears to be the result of identity theft following a confirmed data breach in which my personal information was compromised. I received direct notification from XXXX  confirming that my personal data was exposed in their breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, XXXX XXXX XXXX  has failed to provide any lawful documentation verifying the accuracy or ownership of this account. I have specifically requested, under my rights provided by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), copies of the following documents : The original signed contract or agreement bearing my signature Full chain of assignment and transfer of ownership Proof of collection authority or servicing rights Itemized statement of the alleged debt and balance details Verification of reporting accuracy and reinvestigation procedures To date, no such documentation has been provided. 

Furthermore, XXXX, TransUnion, and XXXX  have not properly investigated this matter as required under : 15 USC 1681i ( a ) ( 1 ) Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) Duty to provide the consumer with a description of the verification process 15 USC 1692g Validation of debts 15 USC 1692e ( 8 ) Prohibition of reporting information known to be false The continued reporting of this unverifiable account violates federal law and has caused me financial hardship, credit denials, and emotional distress.

I have also filed complaints with the FTC and XXXX. I am requesting that the CFPB investigate this matter and compel XXXX XXXX XXXX XXXXnd the credit bureaus to provide complete, lawful verification or immediately remove this fraudulent account from all credit reports to restore accuracy and integrity to my consumer file. 

ACCOUNT LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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