vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This Complaint serves as an official dispute and legal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), as well as a notice of claim for damages related to multiple false, inaccurate, and unauthorized entries in my consumer report.

Let me make this crystal clear : I am a victim of identity theft and a known victim of the Experian data breach. Your failure to properly verify and secure my information has had real and devastating consequences for me and my family. 

FALSE & DAMAGING INFORMATION YOU ARE REPORTING : FALSE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never resided at these addresses. I have lived at XXXX XXXX XXXX my entire life. These addresses are inaccurate and constitute a severe breach of privacy. 

COURT JUDGMENTS NEVER SERVED, NEVER LIVED THERE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was never made aware of this case, was never served, and have never lived at the property in question. The judgment is inaccurate, harmful, and was illegally reported without proper verification, violating FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX  ) FALSE LATE PAYMENTS : XXXX XXXX ( Opened XX/XX/year> ) Conflicting opening dates Conflicting balance and last payment dates Different account statuses across bureaus ( Closed, Paid, Open ) Loan type inconsistencies ( Secured Credit Card vs Credit Line ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting original balances XXXX bureau reporting 60 Days Late while others report OK Inconsistent reporting dates and limits This account has never been delinquent. These reported lates are false, disputed, and unverifiable, and I demand a XXXX  BLOCK under FCRA 1681c-2 due to the identity theft and data breach concerns. 

THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because of the false and negligent information reported by Experian XXXX : I have been denied housing opportunities that I was fully qualified for I have experienced emotional and psychological distress My XXXX young sons, ages XXXX and XXXX, have been directly harmed by housing instability, displacement, and stress I have been subjected to public humiliation, suspicion, and hardship because of false records I never authorized I take my creditworthiness seriously. I am a father, a provider, and a citizen who plays by the rules. Your company has treated my life as a data entryand the result is real trauma for my family.

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 2025-04-23 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: IL

Complaint narrative:
I HAVE XXXX ACCOUNTS THAT REPORTING INACCUREATE AND UNVERIFIED INFORMATION ON MY CREDIT REPORT. THEY ARE SHOWING MULTPLE INACCURACIES IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY BETWEEN EXPERIAN, EQUIFAX, AND TRANSUNION ON EACH ACCOUNT. THESE ACCOUNTS MUST BE DELETED FOR THIS.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding [ Experian, TransUnion, and/or Equifax ] for failing to correct and update inaccurate personal information on my credit report, despite receiving multiple written requests from me. 

I have submitted certified letters to the credit bureau ( s ), with return receipts beginning on XX/XX/XXXX and also beginning on XXXX clearly identifying incorrect personal information including ( but not limited to ) : Incorrect name ( s ) Wrong address ( es ) Outdated or unrecognized phone number ( s ) Other inaccurate identifying information In accordance with the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate personal data and correct errors upon notification. Despite my efforts, the bureau ( s ) have failed to make the necessary corrections, and the inaccurate personal information continues to appear on my report. 

This is affecting my ability to obtain credit, housing, and other essential services. I am requesting that the CFPB take appropriate action to ensure that the credit bureau ( s ) update and maintain accurate personal information in my credit file, as required by federal law. 

I have attached documentation of my dispute letters, a copy of my valid identification, and proof of address to verify my identity and support my request. 

Thank you for your time and assistance.

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 2025-04-23 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: OH

Complaint narrative:
After reviewing my credit report I noticed an account that was definitely not reporting accurately. I had three late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>, XX/XX/year>. I'm requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXXXXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX InquiryXXXX XXXX XXXXXXXX InquiryXXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX InquiryXXXX DEPT OF ED InquiryXXXX XXXX XXXX XXXX InquiryXXXX XXXXXXXX XXXX XXXX InquiryXXXX XXXX  InquiryXXXX XXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX XXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal

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 2025-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I made a purchase on XXXX XXXX XXXX  through XXXXXXXX XXXX on XX/XX/XXXX for {$960.00}. On XXXX XXXX I paid for that purchase in full for {$960.00}. 

That payment should have been applied in a way that was most beneficial to me as a customer per the XXXX XXXX XXXX. This means it should have been applied to the promotional balance that expired XXXX. Instead, XXXX did the exact opposite, and used it to pay off the promotional balance expiring last. 

I want my account adjusted to reflect that the entire payment was submitted to the XXXX XXXX expiring XX/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 2025-04-23 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Payment Status : Late 120 Days I am disputing the extended 120-day late status reported. This appears to be an unusually prolonged delinquency period that may reflect a reporting or administrative error. I request a thorough investigation, and if this can not be fully verified with documented proof, I respectfully request correction of the negative marks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 120 Days I am disputing the repeated 120-day late reporting for this account. Given the lengthy time frame, I ask for verification of the accuracy of these entries. If documentation supporting this reporting can not be provided, I request that the late payment history be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Date Opened : XX/XX/XXXX Payment Status : Late 120 Days This account appears to be a duplicate or similarly reported item with an identical late payment history. I dispute the accuracy of this entry and request investigation to determine if it is a duplicate listing. If it is not verifiable, I ask for immediate correction from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current I am requesting a review and removal of this account from my credit report. Although the payment status is current, I do not recognize this account and believe it may be inaccurately reported or potentially opened in error. If it can not be verified with full documentation, I respectfully request that it be correction from my report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Payment Status : Late 120 Days I am disputing the extended 120-day late status reported. This appears to be an unusually prolonged delinquency period that may reflect a reporting or administrative error. I request a thorough investigation, and if this can not be fully verified with documented proof, I respectfully request correction of the negative marks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Late 120 Days I am disputing the repeated 120-day late reporting for this account. Given the lengthy time frame, I ask for verification of the accuracy of these entries. If documentation supporting this reporting can not be provided, I request that the late payment history be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Date Opened : XX/XX/XXXX Payment Status : Late 120 Days This account appears to be a duplicate or similarly reported item with an identical late payment history. I dispute the accuracy of this entry and request investigation to determine if it is a duplicate listing. If it is not verifiable, I ask for immediate correction from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current I am requesting a review and removal of this account from my credit report. Although the payment status is current, I do not recognize this account and believe it may be inaccurately reported or potentially opened in error. If it can not be verified with full documentation, I respectfully request that it be correction from my report under the Fair Credit Reporting Act.

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 2025-04-23 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 contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identity theft report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 
I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent inquiries that are not associated with me. All necessary documentation is Included in this packet, and copies have been sent to your agency both via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. 

HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX MO - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Sincerely, 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 2025-04-23 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: FL

Complaint narrative:
A new collection account from XXXX XXXX XXXX ( XXXX ) appeared on my Experian report for {$690.00}, allegedly from Purpose Financial. I never received prior notice or validation of this debt. I disputed it with Experian under FCRA 1681i and 1681s-2 ( b ), requesting validation and correction. The account is harming my credit score and is being reported with inaccurate and misleading information. I request full validation or immediate deletion of this item.

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 2025-04-23 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:
I recently reviewed a copy of my credit report and noticed a fraudulent account from my report, XXXX XXXX account # XXXX is not my account and need to be remove from my credit report immediately.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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