vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME XXXX XXXXXXXX XXXX XXXX DATE XXXX XXXXXX/XX/year> INQUIRY ACCOUNT NAME XXXX XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME XXXX XXXX XXXX  DATE XXXX XXXXXX/XX/year> INQUIRY ACCOUNT NAME XXXX XXXX XXXX DATE XXXX XXXXXX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please assist me in launching an investigation into these accounts, as they are reflecting incorrect information on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. Ive enclosed the relevant documents for your consideration. It is also important to note that the account data is inconsistent and inaccurate across the different credit bureaus.

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 2025-07-16 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: NY

Complaint narrative:
I am formally disputing a charged-off XXXX  XXXX account reported inconsistently by all three major credit bureaus, with inaccurate and misleading information that violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 611 ( a ). 

Account # : XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Closed Date : XX/XX/XXXX Balance : {$0.00} ( Paid in full ) Discrepancies include the following : Date of Last Activity differs across bureaus : TransUnion reports XX/XX/XXXX, Experian shows XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 

Equifax continues to list this account as Derogatory, despite a {$0.00} balance and full resolution. 

Creditor remarks conflict between bureaus regarding charge-off, cancellation, and payment reporting. 

According to FCRA Section 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The existence of conflicting data on the same account across bureaus is, by definition, a failure of this requirement.

Furthermore, per FCRA Secti

on 611 ( a ), I have the right to request a reinvestigation, and if the data can not be confirmed as accurate, it must be deleted. This paid charge-off no longer reflects an actual financ
ial risk, and continued reporting as derogatory is misleading and injurious to my credit profile. I am requesting immediate deletion of this account from all three credit bureaus due to its legally noncompliant and inconsistent reporting.

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 2025-07-16 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 am formally disputing a charged-off XXXX  XXXX account reported inconsistently by all three major credit bureaus, with inaccurate and misleading information that violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 611 ( a ). 

Account # : XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Closed Date : XX/XX/XXXX Balance : {$0.00} ( Paid in full ) Discrepancies include the following : Date of Last Activity differs across bureaus : TransUnion reports XX/XX/XXXX, Experian shows XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 

Equifax continues to list this account as Derogatory, despite a {$0.00} balance and full resolution. 

Creditor remarks conflict between bureaus regarding charge-off, cancellation, and payment reporting. 

According to FCRA Section 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The existence of conflicting data on the same account across bureaus is, by definition, a failure of this requirement.

Furthermore, per FCRA Secti

on 611 ( a ), I have the right to request a reinvestigation, and if the data can not be confirmed as accurate, it must be deleted. This paid charge-off no longer reflects an actual financ
ial risk, and continued reporting as derogatory is misleading and injurious to my credit profile. I am requesting immediate deletion of this account from all three credit bureaus due to its legally noncompliant and inconsistent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
On XXXX XXXX, I sent a certified letter to Experian, which included a formal request regarding certain items on my credit report. In my correspondence, I enclosed valid documentation to verify my identity, including a copy of my government-issued photo identification, proof of current address, and Social Security Number. 

On XXXX XXXX, I received a response letter from Experian acknowledging receipt of my request. The letter stated that a recent inquiry regarding my credit information had been received but did not appear to have been initiated or authorized by me. 

For reference, my original letter to XXXX addressed the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-16 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-16 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-16 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I have worked hard to maintain a responsible credit profile. Upon review of my credit report, I noticed a collection account that I did not authorize, open, or acknowledge.

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 2025-07-16 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: IL

Complaint narrative:
Please assist me in launching an investigation into these accounts, as they are reflecting incorrect information on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. Ive enclosed the relevant documents for your consideration. It is also important to note that the account data is inconsistent and inaccurate across the different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Recently, I conducted a personal investigation of my credit reports and discovered multiple accounts that are unverifiable, invalidated, inaccurate, and questionable, which your agency has failed to ensure are 100 % accurate and fully substantiated. This failure represents a clear violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.

According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in the information they report. Inaccurate, outdated, or incomplete information that can not be verified must not be included in a consumer 's credit file.

Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed item of information is found to be inaccurate, incomplete, or can not be verified after reinvestigation, it must be promptly deleted from the file and can not be reinse
rted without full certification of accuracy by the furnisher.

Furthermore : Reporting unverifiable data is a direct violation of FCRA 1681i ( a ) ( 1 ) ( A ), which requires agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute.

Continued reporting of inaccurate items without full investigation violates FCRA 1681s-2 ( b ), which holds data furnishers accountable for correcting or deleting inaccurate information once notified of a dispute.

If any of these accounts are reported without permissible purpose or consent, this may also violate FCRA 1681b.

Your agencys failure to ensure the integrity and accuracy of the data reported is not only negligent, but it also exposes you to liability under FCRA 1681n and 1681o, for willful and negligent noncompliance. 

For your reference, I have attached copies of all prior dispute letters and supporting documentation. I demand immediate removal or correction of the inaccurate accounts and a written response confirming the outcome of your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-16 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-07-16 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
On XX/XX/year>, I discovered a debt collection entry on my credit report from Mutual Management Services in the amount of {$25000.00}. 

I do not recognize this debt and was never notified about it prior to seeing it on my credit report. I have not received any written communication or documentation verifying the validity of this debt. 

I attempted to contact Mutual Management Services to dispute the item and request verification, but I have not received a response or any proof supporting the claim. 

Because this debt is unfamiliar to me and no validation has been provided, I believe it is inaccurate and should not be reported. 

I am requesting that this debt be removed from my credit report unless proper documentation can be provided verifying that the debt is valid and belongs to me. 

Please investigate this matter and take appropriate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$160.00}

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

Company response to consumer: Closed with explanation