vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the accuracy and reporting of the account listed on my credit report. The account information is as follows : * Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Balance : {$66.00} * Status : Account charged off. 
Based on the information provided in my credit report, there appear to be inaccuracies and a failure to comply with the Fair Credit Reporting Act ( FCRA ). I request that you investigate and take immediate action to correct these discrepancies and remove this account from my credit report.

Under 15 U.S. Code 1681e ( b ), " When a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The information provided on this account appears to be inaccurate and misleading, and I am requesting an immediate re-investigation to verify its accuracy.

Furthermore, under 15 U.S.C. 1681s-2 ( b ), as a furnisher of credit information, you have a duty to conduct a reasonable investigation upon receiving a dispute from a consumer. I am hereby requesting that you perform a thorough and reasonable investigation of this account. This includes reviewing all relevant documents and records to verify the accuracy of the reported charge-off, balance, and payment history.

I believe this account 's reporting may also violate 15 U.S.C. 1666b, as it pertains to billing errors. I am requesting that you provide documentation to substantiate the legitimacy of this debt, including copies of the original agreement, itemized statements, and a full accounting of all payments and charges.

I am also putting you on notice that failure to comply with the FCRA may result in legal action. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I may be entitled to damages, including punitive damages, for willful noncompliance and actual damages for negligent noncompliance.

Due to the significant impact this inaccurate reporting is having on my credit score and financial standing, I request that you handle this matter immediately. Please provide me with the results of your investigation and any actions taken within 30 days of receipt of this letter.

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 2025-08-10 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: PA

Complaint narrative:
I noticed that U.S Bankruptcy court for the eastern district of XXXX  was listed as the data furnisher for a bankruptcy that was shown on my credit report. I am disputing a bankruptcy entry on my credit report that I believe is inaccurate and/or can not be verified. I contacted the U.S Bankruptcy court for the eastern district of XXXX  to ask about their credit reporting procedures. I am requesting that the CFPB investigate this matter and require the credit bureau to either provide verifiable documentation from the court or remove the bankruptcy from my credit file in compliance with 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 2025-08-10 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 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:
The accounts listed below are the result of identity theft. I have contacted each creditor directly, but they have not yet removed these accounts from my credit file. Please reach out to them on my behalf to help resolve this matter. 


XXXX XXXXXXXX {$3000.00} Equifax, Experian, Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$3200.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} Equifax, Experian, Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Transunion, Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$470.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Equifax, Experian, Transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
The accounts listed below are the result of identity theft. I have contacted each creditor directly, but they have not yet removed these accounts from my credit file. Please reach out to them on my behalf to help resolve this matter. 


XXXX XXXXXXXX {$3000.00} Equifax, Experian, Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$3200.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} Equifax, Experian, Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Transunion, Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$470.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} Equifax, Experian, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Equifax, Experian, Transunion

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 2025-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collection agency named rentdebt automated collections is trying to collect for an account XX/XX/XXXXXXXX for the amount of {$570.00} at the address of XXXX XXXX XXXX XXXX tx XXXX. When i requested for validation they claimed they sent notice of the debt originally to the address of XXXXXX/XX/XXXX XXXX XXXX XXXX tn XXXX. I have never lived at these addresses and never have lived in Tennessee. These addresses so not match my personal information with transunion and when i disputed it online they said the debt was validated. This would mean that they did not complete a proper investigation of the debt and are in violation under the Fair Credit Reporting Act as 12 CFR 1006.34 ( c ) ( 2 ) ( ii ) clearly states : The validation must match the consumers name and mailing address which it does not.

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 2025-08-10 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: OK

Complaint narrative:
I am writing to dispute the medical debt account ( s ) reported on my credit report that violate multiple provisions of the Fair Credit Reporting Act ( FCRA ).

The account ( s ) in question fail to comply with the following FCRA requirements : 1. 605 ( a ) ( 6 ) The Date of First Delinquency ( DOFD ) is missing or inaccurate, making the continued reporting illegal since the medical debt can not be reported beyond seven years from the DOFD.

2. 605 ( a ) ( 8 ) The medical debt was reported less than 365 days after being placed for collection, violating the mandatory waiting period designed to allow for insurance or billing dispute resolution.

3. 605 ( b ) Medical information was reported without my consent, including creditor names that reveal the nature of the debt.

4. 623 ( a ) ( 1 ) and 623 ( a ) ( 5 ) The furnisher has failed to report complete and accurate information, including the correct DOFD and original creditor details.

5. 623 ( b ) Despite multiple disputes, the furnisher has failed to correct or delete inaccurate information and continues to report it.

6. 607 ( b ) The credit reporting agency failed to maintain maximum possible accuracy, as shown by early reporting, missing DOFD, and incorrect dates.

7. 611 ( a ) My right to dispute inaccurate information has been exhausted. I have also requested the method of verification used by the furnisher, but have not received it.

Additionally, I have valid insurance coverage for the medical services related to this debt. This supports that the debt should have been subject to billing review and insurance adjustments before any reporting. Reporting this debt prematurely and inaccurately disregards my insurance protections.

Because of these violations, this account ( s ) has damaged my credit score and financial standing unjustly.

I demand the immediate deletion or correction of this medical debt from my credit report. Failure to do so will leave me no choice but to pursue legal action for damages under the FCRA.

Please provide written confirmation of the corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-08-10 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-08-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted an American Express virtual gift card. The card terms explicitly said that I would be able to add this card to my XXXX XXXX wallet or to the wallet in the American Express app. I was unable to do either. The American Express app told me to call their customer service instead. The representative I spoke with said that there's currently no way to add the card to any wallet despite American Express explicitly writing that you can do this multiple times in their terms and conditions. I am at a loss for how to use this card at a physical store.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
i have noticed several inaccuracies that are on my credit report that is reporting negatively

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 2025-08-10 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: GA

Complaint narrative:
i have noticed several inaccuracies that are on my credit report that is reporting negatively

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: LEXISNEXIS
State: WA

Complaint narrative:
I am a XXXX XXXXXXXX survivor and a victim of ongoing identity theft. My personal and credit information is appearing in LexisNexis consumer files without my consent, and this information is being used to cause me financial harm and place my safety at risk. 

I have already submitted my FTC Identity Theft Report, police report, XXXX XXXXXXXX advocate letter, proof of address, and identification. Despite this, LexisNexis has not removed or permanently deleted the fraudulent and unsafe information. 

The information in question includes unauthorized hard inquiries, fraudulent accounts, and other records tied to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B, the Violence Against Women Act ( VAWA ), and state law RCW 70.123.075, LexisNexis must block and permanently delete this information to protect my safety and prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
I, hereby state that my personal and financial information was exposed as a result of a data breach. I have reason to believe that the exposure of my information directly resulted in the theft and fraudulent use of my identity. After learning of the breach, I began experiencing the following issues : Unauthorized inquiries and applications for credit in my name that I did not initiate. Accounts opened without my knowledge or consent. Fraudulent transactions and attempts to obtain funding using my personal information. I did not authorize any of these activities. I am the victim of identity theft and have suffered financial and personal harm as a direct result of this fraudulent activity. This statement is provided to assist in the investigation of this matter and to establish that any accounts, inquiries, or transactions in my name, other than those I personally authorized, are the result of identity theft and should not be attributed to me. I request that all consumer reporting agencies and relevant institutions : Block and remove all fraudulent accounts and inquiries related to the identity theft. 

Company or Organization : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6100.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$130.00} Fraudulent Personal or Business Loan Company or Organization : RESEARCH XXXX XXXX XXXXXXXX Account Number : Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$3200.00} Fraudulent Personal or Business Loan XXXX XXXX XXXX Company or Organization : XXXX Account Number : Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: WA

Complaint narrative:
I am a documented fraud victim with an Extended Fraud Alert and a security freeze in place under FCRA 605A ( b ). 

Equifax is reporting a charged-off account from XXXX XXXX XXXX XXXX that is inaccurate and unverifiable. 

I have disputed this account with both Equifax and XXXX XXXX XXXX XXXX, requesting original signed contracts, a complete payment history, and charge-off documentation as required under FCRA 1681i and 1681s-2 ( b ). Neither party has provided proof, yet the account continues to be reported as accurate.

This violates the federal requirement for maximum possible accuracy and my rights as a consumer under the Fair Credit Reporting Act and Louisiana state law ( XXXX. XXXX ). 

I request immediate permanent deletion of this tradeline from my credit report and written confirmation of the deletion from both Equifax and XXXX XXXX XXXX XXXX. 

Supporting documents ( dispute letters, fraud alert proof, certified mail receipts ) are attached. 
And Im dv victim this causing me to be in danger Requested Resolution : Permanent deletion of the XXXX XXXX XXXX XXXX XXXX from Equifax. 
Written confirmation from both Equifax and 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 2025-08-10 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: WA

Complaint narrative:
I am a documented fraud victim with an Extended Fraud Alert and a security freeze in place under FCRA 605A ( b ). 

Equifax is reporting a charged-off account from XXXX XXXX XXXX XXXX that is inaccurate and unverifiable. 

I have disputed this account with both Equifax and XXXX XXXX XXXX XXXX, requesting original signed contracts, a complete payment history, and charge-off documentation as required under FCRA 1681i and 1681s-2 ( b ). Neither party has provided proof, yet the account continues to be reported as accurate.

This violates the federal requirement for maximum possible accuracy and my rights as a consumer under the Fair Credit Reporting Act and Louisiana state law ( XXXX. XXXX ). 

I request immediate permanent deletion of this tradeline from my credit report and written confirmation of the deletion from both Equifax and XXXX XXXX XXXX XXXX. 

Supporting documents ( dispute letters, fraud alert proof, certified mail receipts ) are attached. 
And Im dv victim this causing me to be in danger Requested Resolution : Permanent deletion of the XXXX XXXX XXXX XXXX XXXX from Equifax. 
Written confirmation from both Equifax and 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 2025-08-10 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief