vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXXXXXX * * * * Balance : {$0.00XX/XX/XXXX XXXX * * * * Balance : {$0.00} XX/XX/XXXX Balance : {$0.00}

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 2025-04-26 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 submitting a formal dispute regarding inaccurate and unverifiable information on my credit report. 

The following accounts are being falsely reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, an incorrect former address is being reported : XXXX XXXX XXXX XXXX, XXXX, NY XXXX I have no association with this address. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681e ( b ), I have the right to dispute any information that is inaccurate, incomplete, or can not be verified. I am also a victim of the Experian data breach, which compromised my personal information and has contributed to errors on my credit report. 

I am requesting that these accounts and the incorrect address be fully deleted from my credit profile as they are unverifiable, inaccurate, and damaging to my creditworthiness. 

I respectfully request a full investigation and prompt deletion in accordance with the FCRA. Please provide written confirmation once the deletions are completed. 

Thank you for your attention to this urgent matter.

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 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and fraudulent activity as it pertains to my consumer credit file. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent and unauthorized information from my credit file : 1. Fraudulent/Unauthorized Addresses to Remove : See documents for reference.

2. Fraudulent/Unauthorized Accounts to Remove : See documents for reference. 23 fraudulently issued accounts have already been removed thanks to some companies speedy process. Many more remain 3. Unauthorized Inquiries to Remove : See documents for reference.

Legal Basis for My Request : Under FCRA Section 605B, you are required to : Block all fraudulent information from appearing on my consumer report within 4 business days of receiving this notice.

Permanently delete all items proven to be the result of identity theft without requiring further verification from the furnisher.

Update and issue corrected credit reports reflecting the deletions.

This letter serves as my formal dispute and notification. Enclosed are the following : FTC Identity Theft Report Government-issued photo ID Proof of current address ( utility bill or bank statement ) police report Final Notice : Failure to block and delete this information in accordance with federal timelines will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulators, and may result in legal action as permitted under the FCRA.

Thank you for your immediate attention to this serious matter.

Please send confirmation and updated copies of my consumer file after completing this process. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXXXXXX * * * * Balance : {$0.00XX/XX/XXXX XXXX * * * * Balance : {$0.00} XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXXXXXX * * * * Balance : {$0.00XX/XX/XXXX XXXX * * * * Balance : {$0.00} XX/XX/XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-26 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-26 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES TD RETAIL CARD SERVICE - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I am filing this complaint against XXXX XXXX  XXXX for inaccurate and unverifiable reporting of an account XXXX XXXX  XXXX XXXX to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This inaccurate reporting is causing significant harm to my creditworthiness.The account is reported as a charge-off on my credit report. However, the payment history contains inconsistencies that contradict its negative classification, undermining the legitimacy of the account and its charge-off status. These discrepancies render the reported information inaccurate and unverifiable, violating FCRAs requirement for accurate and complete reporting. I mailed a dispute letter to XXXX XXXX  XXXX on XX/XX/2025, with copies of my passport, Social Security card, and proof of address to verify my identity. XXXX XXXX  XXXX has failed to correct or remove the inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am complaining about TransUnion saying this pell XXXX is mine and wanting to do a charge off. This is not right when I complained about it they said that u.s department of education is not mine plus I have police report number XXXX along with an ftc report number XXXX I feel like when they hit my credit report u.s department of education it should not because my identity was stolen plus I have no clue why this XXXX XXXX was mine because I never opened it. I feel like no one wants too help me with being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
To Whom It May Concern, I am a documented victim of human trafficking. Pursuant to Section 605C and Self-Attestation Form for XXXX XXXX XXXX Under 15 U.S.C. 1681c-3 - Request to Remove Adverse Credit Information of the Fair Credit Reporting Act, I am exercising my right to request the blocking and permanent removal of adverse information related to my victimization from my consumer report. 

Specifically, I am requesting the removal of the following account : Creditor Name : mercedes Financial Account Number : Account Type : Repossession This negative information was the direct result of trafficking circumstances and is causing ongoing harm to my financial stability and recovery. 

Attached to this request are :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
According to 15 U.S.C 1692 c you have violated my rights by in lawful communications please remove this collection off of my credit report immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported by XXXX furnishers : XXXX. American Express XXXXXXXX XXXX I formally disputed these accounts under FCRA Sections 611 and 623, requesting the following : A certified copy of the original signed contracts.

Full accounting/payment history.

Proof of permissible purpose under FCRA 604. 

Proof of lawful standing and chain of custody if accounts were transferred. 

Evidence that notices of dispute were properly placed within 30 days. 

Neither company has provided competent evidence within the legal timeframe. Despite their failure to validate, they continue to report these accounts negatively, harming my credit profile unlawfully. 

I also cited the commercial XXXX XXXX is sovereign in commerce, demanding verifiable sworn proof of any financial claim, which was not provided. 

Their continued reporting without verification violates the FCRA and amounts to misrepresentation in commerce. 

What would you like the company to do to resolve your issue? 

I am requesting : Immediate full validation of the alleged debts with documented evidence ; or Immediate removal ( deletion ) of the accounts from all consumer reporting agencies due to failure to validate. 

I also request that any negative entries associated with these accounts be corrected or deleted in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account ( XXXX ) that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy. this account has not been late on payments. ive attached a copy of my report to this complaint on the following dates ( XXXX and XX/XX/year> ) ; I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-04-26 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account ( XXXX ) that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy. this account has not been late on payments. ive attached a copy of my report to this complaint on the following dates ( XXXX and XX/XX/year> ) ; I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CHARLES SCHWAB CORPORATION, THE
State: CT

Complaint narrative:
I had applied to open a savings account with Charles Schwab Bank, which the experience was not the same as other banks where the system opens the account at the end of your application. They have a form to fill out and you can submit it to them via physical mail or document upload while logged in. The institution abused my personal information entered on their form and multiple accounts were opened without my consent. They stated it was an error although it was a manual process, like stated above. They had to open the account for you as there was no option to apply online like most other institutions. Also, they stated it was an error only after I contacted them. If this was truly an error they should have closed it themselves, not after I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Company continues to furnish inaccurate and incomplete information to my consumer report. This has caused adverse action against my person which is illegal. 

Acct name : XXXX XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
Company continues to furnish inaccurate and incomplete information to my consumer report. This has caused adverse action against my person which is illegal. 

Acct name : XXXX XXXX XXXX Acct # : 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 2025-04-26 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: NY

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX yrs of age and I have a grown son that is currently XXXX going on XXXX yrs old and in the state of NY child support ends at the age XXXX and that's the problem because my child support case ended in XXXX yrs ago and on my credit report I notice it said status open and its incorrect and inaccurate. it needs to be removed and deleted It's unfair to me I'm a government worker and a taxpayer, and I tried disputing this and I also notice it's been in dispute for years now, and I'm upset because I just noticed this. so I've written every credit bureau all XXXX, explaining this to them and that this needs to be deleted. it's hurting me and probably many others. Please investigate my credit report because I noticed so many errors. incorrect status, incorrect address, and incorrect statements made on my report that is currently hurting me. Please, can you help me I work so hard to have this issue its messing my life up. This should be illegal, what they did to me. and I never been married a day in my life and they have a woman name down on my credit report as if im married and that is incorrect information and that needs to be deleted and removed soon as possible. and I don't know how this person name even got on my credit report which looks like fraud and something should be done.

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