vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am disputing the inaccurate reporting of the following accounts listed as Late Open on my credit file : XXXX XXXX XXXX with a balance of {$240.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$860.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$400.00}. These accounts are inaccurately reported as currently open and late, despite being either closed, settled, or otherwise not meeting the definition of a current delinquency. Reporting them as Late Open misrepresents my credit history and creates a false impression of ongoing delinquency. Under FCRA 605 ( a ) [ 15 U.S.C. 1681c ], consumer reporting agencies may not include obsolete or misleading information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] requires furnishers to provide only accurate information to the credit bureaus, and FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. The current reporting violates these provisions, and I am requesting immediate reinvestigation and correction to ensure compliance with the FCRA.

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 2025-09-30 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$6000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I obtained my credit report from Equifax, and it incorrectly displayed a credit score of XXXX. This reporting is inaccurate and misleading because I have open and active accounts in good standing that should generate a valid score. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting a XXXX score, without proper basis, fails this standard. 

Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information and request a reinvestigation. I am formally disputing the reporting of a XXXX score and requesting that the bureau : Investigate and verify the accuracy of this reporting with the data furnishers. 

Provide documentation showing how this XXXX score was calculated. 

Correct my file to reflect an accurate and valid credit score. 

If the bureau can not verify this information with supporting documentation from the original source, it must be removed or corrected. Failure to address this issue may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of thXXXX XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : 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

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 2025-09-30 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:
I am reaching out as a consumer who continues to suffer from inaccurate and unfair reporting on my credit file, and I respectfully request the immediate and permanent removal of the following accounts and inquiries that are not in compliance with the Fair Credit Reporting Act. Despite my previous disputes, these items remain, and their continued reporting is misleading, harmful, and unlawful. 
The first concern is a charge-off account with XXXX XXXX, account number XXXXXXXX XXXX XXXX showing a balance of {$11000.00}. * * This account is being reported without the issuance of a required XXXX for cancellation of debt, which must be provided when the debt exceeds {$600.00}. The ongoing reporting of this account without such documentation creates an inaccurate and incomplete record, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. 
Next, there is a collection account reported by XXXX  for the original creditor XXXX XXXX XXXX, account number XXXX with a balance of {$6000.00}. This account is disputed because its reporting fails to comply with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a proper reinvestigation of disputed items. In addition, it qualifies for blocking under FCRA 605B 15 U.S.C. 1681c-2 because the account is inaccurate, unverifiable, and harmful to my credit profile.

Finally, I identified several unauthorized hard inquiries that were made without my knowledge or permissible purpose. These include : XXXXXXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX These inquiries are clear violations of FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limits permissible purposes for obtaining consumer reports, as well as FCRA 619 15 U.S.C. 1681q and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit obtaining reports under false pretenses or without consumer consent.

Because these accounts and inquiries are inaccurate, unverifiable, and damaging, I am not requesting correction. I am demanding their permanent removal from my credit file to ensure that my report reflects only accurate and lawful information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I am reaching out as a consumer who continues to suffer from inaccurate and unfair reporting on my credit file, and I respectfully request the immediate and permanent removal of the following accounts and inquiries that are not in compliance with the Fair Credit Reporting Act. Despite my previous disputes, these items remain, and their continued reporting is misleading, harmful, and unlawful. 
The first concern is a charge-off account with XXXX XXXX, account number XXXXXXXX XXXX XXXX showing a balance of {$11000.00}. * * This account is being reported without the issuance of a required XXXX for cancellation of debt, which must be provided when the debt exceeds {$600.00}. The ongoing reporting of this account without such documentation creates an inaccurate and incomplete record, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. 
Next, there is a collection account reported by XXXX  for the original creditor XXXX XXXX XXXX, account number XXXX with a balance of {$6000.00}. This account is disputed because its reporting fails to comply with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a proper reinvestigation of disputed items. In addition, it qualifies for blocking under FCRA 605B 15 U.S.C. 1681c-2 because the account is inaccurate, unverifiable, and harmful to my credit profile.

Finally, I identified several unauthorized hard inquiries that were made without my knowledge or permissible purpose. These include : XXXXXXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX These inquiries are clear violations of FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limits permissible purposes for obtaining consumer reports, as well as FCRA 619 15 U.S.C. 1681q and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit obtaining reports under false pretenses or without consumer consent.

Because these accounts and inquiries are inaccurate, unverifiable, and damaging, I am not requesting correction. I am demanding their permanent removal from my credit file to ensure that my report reflects only accurate and lawful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am submitting this follow-up complaint regarding inaccuracies that continue to appear on my credit report despite previous disputes. Upon review, I identified several items that are inaccurate, misleading, and detrimental to my credit profile. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a XXXX balance but is reported inaccurately, failing to reflect proper closure. Reporting this violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), 611 ( a ) 15 U.S.C. 1681i ( a ), and 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ). This account must be removed unless properly validated.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 ( reported without 1099-C issuance for debt over {$600.00} ) These accounts are reported inaccurately, violating FCRA 611 ( a ) and 605B 15 U.S.C. 1681c-2. Any account that can not be verified or properly documented must be removed.the following inquiries appear on my credit report without my authorization, violating FCRA 619 15 U.S.C. 1681q, 604 ( f ) 15 U.S.C. 1681b ( f ), and 604 ( a ) 15 U.S.C. 1681b ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries must be removed immediately as they were not authorized and have no permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am submitting this follow-up complaint regarding inaccuracies that continue to appear on my credit report despite previous disputes. Upon review, I identified several items that are inaccurate, misleading, and detrimental to my credit profile. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a XXXX balance but is reported inaccurately, failing to reflect proper closure. Reporting this violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), 611 ( a ) 15 U.S.C. 1681i ( a ), and 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ). This account must be removed unless properly validated.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 ( reported without 1099-C issuance for debt over {$600.00} ) These accounts are reported inaccurately, violating FCRA 611 ( a ) and 605B 15 U.S.C. 1681c-2. Any account that can not be verified or properly documented must be removed.the following inquiries appear on my credit report without my authorization, violating FCRA 619 15 U.S.C. 1681q, 604 ( f ) 15 U.S.C. 1681b ( f ), and 604 ( a ) 15 U.S.C. 1681b ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries must be removed immediately as they were not authorized and have no permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading 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 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/year> I am exercising my rights under the following provisions of the Fair Credit Reporting Act ( FCRA ) : 611 ( 15 U.S.C. 1681i ) : Obligation to investigate disputed information 1681e ( b ) : Duty to ensure maximum possible accuracy 1681i ( a ) ( 5 ) : Removal of unverifiable or inaccurate information 604 : Permissible purpose for obtaining a consumer 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 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading 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 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/year> I am exercising my rights under the following provisions of the Fair Credit Reporting Act ( FCRA ) : 611 ( 15 U.S.C. 1681i ) : Obligation to investigate disputed information 1681e ( b ) : Duty to ensure maximum possible accuracy 1681i ( a ) ( 5 ) : Removal of unverifiable or inaccurate information 604 : Permissible purpose for obtaining a consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is specific to Equifax , Inc . The following fraudulent accounts are only reporting on Equifax and are not seen on XXXX  or XXXX. These accounts were opened while I was a minor and therefore could not have been legally authorized by me. 

LIST OF FRAUDULENT ITEMS REPORTING/REINSERTED WHICH WERE OPENED WHEN I WAS A MINOR 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 Equifax had previously deleted these items , yet they have been illegally reinserted into my credit file without proper notice or permissible purpose. This reinsertion constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the incorrect late payment remarks on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are not only unfair but also unlawful.

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