vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
I recently reviewed my credit report and discovered a collection account that I do not recognize and did not authorize. I kindly request that you investigate this account and provide proof of its accuracy.

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 2025-07-17 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: NC

Complaint narrative:
After recently pulling a copy of my credit report from Experian, I was shocked and concerned to find inaccurate late payment information reported under 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  These late payments should not be reporting on my credit file for the following reasons : I have not authorized or consented to the reporting of these alleged transactions or negative information. 

There is no factual basis for the derogatory payment history listed. 

These entries violate my consumer rights under : 15 U.S. Code 1681a Definition and scope of consumer reports 15 U.S. Code 1681a ( 1 ) Protection of consumer privacy 15 U.S. Code 1666b Creditor billing practices and required timing

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 2025-07-17 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: PA

Complaint narrative:
I submitted written disputes over 45 days ago to the credit bureaus regarding accounts from XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe that I do not recognize and were never verified. 

Despite requesting documentation such as a signed application, billing records, or any proof I opened the accounts none of the furnishers provided any documents. Instead, XXXX sent a generic letter, XXXX XXXX charged off the account and still attempts to collect, and XXXX XXXX XXXX claimed the account was valid without showing any verification. 

All three accounts are still being reported by TransUnion, Equifax. This is a direct violation of 15 U.S.C. 1681i under the Fair Credit Reporting Act ( FCRA ), which requires unverifiable information to be deleted. 

Ive also attached my dispute letters and responses as evidence. I am requesting the CFPB to remove these unverifiable accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding the XXXX XXXX account ( Account # : ending in XXXX ) that is being reported inaccurately on all three credit bureaus. I have disputed this account previously, but it remains despite clear evidence that it is unverifiable. 

Additionally, I was taken to court over this debt, and the case was dismissed with prejudice because the plaintiff could not prove the account belonged to me. This dismissal alone should be sufficient to warrant removal, yet the account persists with conflicting and incomplete reporting. This account is being willfully reported despite multiple errors, lack of verification, and a legal case dismissal. This violates fair credit reporting standards, which require information to be accurate, complete, and verifiable.

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 2025-07-17 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 am requesting the deletion of an address from my credit report that is not associated with my identity. I have never resided at that location and have no link to it whatsoever.

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 2025-07-17 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: TX

Complaint narrative:
As per my credit report, your company obtained my credit file on XXXXXXXXXXXX I don't recall applying for credit or employment with : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the XXXX  FTC opinion letter XXXX at XXXX XXXX XXXX XXXX XXXX Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which thereport is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose

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 2025-07-17 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: NJ

Complaint narrative:
I am a victim of identity theft. Two fraudulent accountsXXXX XXXX XXXX XXXXare still showing on my TransUnion credit report. I have never opened or authorized these accounts and did not benefit from them in any way. 

I submitted a current FTC Identity Theft Report, a notarized affidavit, government-issued ID, and proof of address. Despite these documents and my request under FCRA 605B to block the accounts, TransUnion has failed to remove them. I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and no documentation was provided. These accounts are causing ongoing credit harm and stress.

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 2025-07-17 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: FL

Complaint narrative:
I am writing to follow up on my previous request regarding the removal of unauthorized or unverified inquiries from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 and 604, I am requesting a reinvestigation and removal of the inquiries listed below, which I do not recall authorizing. 

Despite my earlier dispute, these inquiries remain on my report without any documented proof of permissible purpose or my consent. As a consumer, I have the right to dispute any item I believe to be inaccurate, and the credit reporting agency must verify the accuracy or remove the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: NJ

Complaint narrative:
I am listed as an authorized user on this account and therefore not legally responsible for the debt. This account is being reported as derogatory/charged-off, which is inaccurate under FCRA guidelines. 

In addition : Credit limit inconsistencies : Equifax reports {$0.00}, while TransUnion reports {$500.00}. 
Date discrepancies : Date last active differs between bureaus.

Inaccurate balance : Past due amount of {$930.00} exceeds reported credit limit.

Incomplete payment history across bureaus.

Please remove or correct this account immediately under the Fair Credit Reporting Act ( FCRA ) due to these inaccuracies.

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 2025-07-17 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX-XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-17 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: NV

Complaint narrative:
I have 2 accounts on my credit report one from XXXX XXXX that I paid in full and sent copy of the receipt. Second was XXXX XXXX XXXX  I sent in proof of payment and change of contract terms. And experian or equifax or transunion would adjust accordingly. When I sent in evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NV

Complaint narrative:
I have 2 accounts on my credit report one from XXXX XXXX that I paid in full and sent copy of the receipt. Second was XXXX XXXX XXXX  I sent in proof of payment and change of contract terms. And experian or equifax or transunion would adjust accordingly. When I sent in evidence

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 2025-07-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern : This letter serves as formal notice and legal demand that you immediately cease and correct the inaccurate reporting of a late payment on my credit file associated with XXXX XXXX XXXX XXXX XXXX Account No. XXXX. This late payment, which you reported to XXXX, Experian, and XXXX as occurring in XX/XX/year>, is categorically inaccurate, unsupported, and has resulted in measurable harm to my creditworthiness and reputation.

I have sent via certified mail ( USPS Tracking # : ( XXXX ) to XXXX XXXX legal department with evidence their late payment reporting is inaccurate, but they have not responded. I have attached the certificate of submission as well as tracking history from USPS confirming receipt.

I supplied supporting evidence the payment was made on XX/XX/year> from a bank statement and also provided evidence from XXXX XXXX of a notice they sent me admitting fault in their system to record my account balance accurately. All of the evidence I include within this correspondence as attachments.

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 2025-07-17 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:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX Re-Aged Debt I am filing this complaint against XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by re-aging a debt in an attempt to make it appear newer than it truly is.

On my credit report, XXXX XXXX is listing a debt originally owed to XXXX as Opened on XX/XX/XXXX, and reported as of XX/XX/XXXX, even though the actual debt is much older and had already fallen into default years prior. This is a clear attempt to reset the 7-year credit reporting clock, which is illegal under FCRA Section 605 ( c ).

I have already disputed this with the credit bureaus, and XXXX XXXX continues to report this account inaccurately. I am requesting that the CFPB investigate XXXX XXXX and require them to : Remove the inaccurate information Cease all attempts to collect on this time-barred debt Cease reporting the debt it is beyond the 7-year limit Attached is a screenshot from my XXXX XXXX  account showing how the debt is misrepresented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Summary : On XX/XX/ 2025, Citibank NA ( Best Buy ) placed a hard inquiry on my XXXX  credit report without my knowledge or consent. I did not submit a new credit application or authorize a hard pull.

Details : I am an existing cardholder. I requested a credit line increase or was checking eligibility through my online account. At no point was I informed that a hard inquiry would be made. This is contrary to common industry practice, where a soft pull is used unless the consumer explicitly agrees otherwise Impact : This hard inquiry negatively affects my credit profile without a valid permissible purpose under 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 explanation
Consumer complaint received 2025-07-17 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: PA

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 non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was charged off and is yet repeatedly being updated as a charge off every month. This is an update on the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to properly investigate this account and your negligence has violated my rights. I am Demanding a deletion of the following accounts 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