vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : GOVERNMENT EMPLOYEES IN. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX - BAL OWED : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX BAL OWED : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX - BAL OWED : {$7700.00} ; fraudulent inquiries off of my report : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am writing to make it unequivocally clear that this complaint is valid and not submitted in error. My credit report contains inaccurate information that fails to meet the legally mandated standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial stability and overall well-being. 
This situation is placing an undue burden on me during an already difficult time, and I am requesting your immediate attention to address and resolve the matter without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
Unauthorized inquiries by several companies have negatively impacted my credit score and financial well-being. Despite prior assurances from your agency that these entries would be removed, they remain unresolved. 
This continued inaction is unacceptable. The presence of potentially fraudulent inquiries raises serious concerns of identity theft and is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: MD

Complaint narrative:
In XX/XX/XXXX, I began receiving phone calls from XXXX XXXX XXXX regarding an alleged debt. I was informed that in XX/XX/XXXX, I had supposedly purchased and/or leased furniture from XXXX XXXX and XXXX in XXXX, IL, in the amount of {$1100.00}. However, I have never conducted any business with this company, nor have I authorized any such transaction. 
Despite multiple requests, no individual or agency has provided any documentation or evidence proving that I am the responsible party for this alleged debt. In an effort to resolve the matter, I contacted the XXXX XXXX Police Department. I was advised that without proof of identity theft or a related charge appearing on my credit report, no crime could be established, and thus, a police report could not be filed. The officers further informed me that this appeared to be a scam and recommended that I cease contact with the parties involved. 
Following this guidance, I responded to the mailed notices by sending letters disputing the validity of the debt and formally requesting itemized receipts and proof of purchase. Despite my repeated written requests between XXXX and XXXX, I received no substantiating documents. Instead, the alleged debt continued to be transferred to various collection agencies, none of which provided the requested verification. 
Throughout this period, I closely monitored my credit reports. There were no entries reflecting this alleged debt until XX/XX/XXXX, when I discovered an account in collections during a routine credit check while applying for credit. This was the first time the supposed debt appeared on my credit report. 
I dispute the validity of this account and request that it be investigated and removed from my credit report immediately. I am a victim of fraudulent debt collection practices and have taken all reasonable steps to resolve this matter in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This listed accounts doesn't belong to me. identity theft XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2025-07-01 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: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within XXXX XXXX of receiving this request, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 contacting you regarding a collection account that has been added to my credit report without any form of debt validation. I have not received documentation that confirms I am legally responsible for the amount owed.

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 2025-07-01 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: CA

Complaint narrative:
A fraudulent federal education loan was opened in my name in XX/XX/XXXX. I did not apply for this loan, did not attend school, and have not received or benefited from any funds. I have been out of school for over 13 years. 

This loan, labeled a XXXX XXXX, was closed in XX/XX/XXXX, but is now in collections with a balance of {$940.00} and has been reported as 90+ days past due as of XX/XX/XXXX. 

I only found out about the loan when I reviewed my credit report. I did not sign or authorize any documents related to this account. I am now being asked to prove that I did not take out a loan I never knew existed. Ive begun the Loan Forgery Discharge Application process but am requesting help due to the lack of cooperation and the damaging credit reporting.

I attached a Legal Name change document with my Loan Discharge Application : Forgery. Per the legal name change proof, any documentation created and/or signed in my Maiden Name should have been flagged as fraudulent.

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 2025-07-01 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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 DEPTEDXXXX XXXXXXXX, DEPTEDXXXXXXXX XXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I was apart of the Equifax Data Breach. I checked my credit report and noticed there were some accounts that don't belong to me can you please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Experian XXXX Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple hard inquiries that appear on my credit file. I am requesting the immediate investigation and removal of the following inquiries which I did not authorize, or which you are legally obligated to verify with documented permissible purpose : Disputed Hard Inquiries Experian Creditor Name Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Basis for Dispute Under the Fair Credit Reporting Act : 15 U.S.C. 1681b ( c ) : A credit bureau must ensure that a hard inquiry only appears if there was a permissible purpose and written authorization.

15 U.S.C. 1681e ( a ) : Consumer reporting agencies are required to maintain reasonable procedures to prevent the disclosure of information to unauthorized parties.

15 U.S.C. 1681i : If an inquiry is inaccurate, outdated, incomplete, or unverifiable, it must be deleted within 30 days of a formal dispute. 

I am asserting that the above-listed inquiries are either unauthorized, unverifiable, duplicated, or without a proper permissible purpose under FCRA. If you can not provide the documented proof of my explicit authorization or a legally valid reason for each of these inquiries, they must be immediately removed from my credit report. 

Demand for Action I formally demand that : You initiate a reinvestigation of all inquiries listed above. 

You delete any inquiry that can not be fully verified by the furnisher with signed authorization or clear documentation. 

You provide a full written response within the XXXX period, as required by 15 U.S.C. 1681i ( a ).

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to pursue legal action under 15 U.S.C. 1681n & 1681o for negligent or willful noncompliance with federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email ( optional ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a documented Identity Theft Victim whose SSN was utilized as a personal gain.. The unverified entry, which has severely damaged my reputation and directly results from identity theft, is as follows : A. XXXX  # XXXX : Balance {$34000.00} : Open Date : XX/XX/XXXX XXXX. XXXX XXXX : # XXXX. Balance : {$7000.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  : # XXXX. Balance : {$1800.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : # XXXX. Balance : {$420.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : # XXXX. Balance : {$520.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : # XXXX. Balance : {$400.00} : Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : # XXXX. Balance : {$400.00} : Open Date : XX/XX/XXXX As a documented victim of identity theft under Texas law, I have submitted a sworn affidavit along with supporting documents to prove that this account was created without my knowledge or consent. The ongoing reporting of this disputed entry blatantly violates several federal statutes, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), and the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ) ( 15 U.S.C. 7001 ). By failing to provide original, valid contracts or properly validated debt documentation, your reporting agencies violate the Texas Identity Theft Enforcement and Protection Act and the Uniform Commercial Code as adopted by the State of Texas. These laws mandate that no contractual obligation or security interest can be enforced without an authenticated, wet-ink

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 recently noticed a collection account listed on my credit report that I do not recognize. I have never received bills, statements, or notices concerning this debt, and I do not believe it is mine.

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 2025-07-01 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: MA

Complaint narrative:
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 2025-07-01 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: MA

Complaint narrative:
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 2025-07-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Experian about inaccurate late payment on my credit report .On XX/XX/XXXX, XXXX XXXX, my letter were certified mail and signed for by an employee at the facility. 
Follow-Up on Dispute Violation of FCRA 1681i ( Exceeded 30-Day Investigation Period ) Dear [ Credit Bureau Name ] , I am writing to follow up on a credit reporting dispute I submitted to your office on [ XXXX XXXX ], regarding the accuracy of the following account ( s ) : Disputed Item ( s ) : [ XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As required by the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must complete its reinvestigation within 30 days of receiving a consumers dispute, unless additional relevant information is provided by the consumer within that time, which may allow an extension to 45 days under 1681i ( a ) ( 1 ) ( B ).

To date, more than 30 days have passed, and I have not received a response or results of your investigation. I also did not submit any new information after the initial dispute, so no extension applies.

Therefore, you are required under the FCRA to : 1. Delete the disputed item ( s ) from my credit report, as they are unverified ; 2. Provide written confirmation of the deletion and the results of your investigation within 5 business days, as outlined in 1681i ( a ) ( 6 ).

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 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX. 
Department # XXXX XXXX, TN XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute of Medical Collection Account Account # XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the validity and continued reporting of the medical collection account referenced above. According to my credit report, this account was assigned to your agency on XX/XX/XXXX, with an original amount of {$540.00}, originating from XXXX XXXX XXXX XXXX XXXX XXXX. 

Under the revised guidelines for medical debt reporting that took effect beginning XX/XX/XXXX, and were further updated in XXXX, the credit reporting agencies ( Experian, Equifax, and TransUnion ) are required to remove : All paid medical collection debt from consumer credit reports ; All medical collection debt under {$500.00}, even if unpaid. 

As of XXXX XXXX, this debt remains unpaid and is being reported at {$540.00}, which may appear to exceed the {$500.00} threshold. However, I am formally requesting a detailed itemization of the original medical charges, including proof that this amount is correct, and whether insurance adjustments, charity care eligibility, or billing errors may have reduced the actual balance to below {$500.00}, which would make it ineligible for credit reporting under the new guidelines. 

Additionally, I am requesting the following under the Fair Credit Reporting Act ( FCRA ) : XXXX. Full itemized validation of the debt, including dates of service, provider billing codes, and explanation of charges. 
XXXX. A copy of any agreement bearing my signature that authorizes this debt. 
XXXX. Documentation of any attempts to bill my health insurance, if applicable. 

If you can not provide proper validation of this debt or if the original balance after adjustments qualifies under the new medical debt exclusions, I respectfully request that this account be removed from all credit reporting agencies immediately. 

Please consider this letter as notice of dispute, and cease collection efforts until the account has been properly validated. 

Thank you for your attention to this matter. I look forward to your response within the XXXX window provided by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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