vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: PA

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NM

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-13 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:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: OH

Complaint narrative:
I am submitting this follow-up complaint regarding several accounts appearing on my credit report that do not belong to me. While these accounts are listed as positive, they are not associated with my financial history and may have been mistakenly linked to my report due to a similar name, address, or other identifying information. 
The accounts in question include : DEPT OF EDUCATION/XXXX XXXX Balance : {$2400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} I have no record of opening or authorizing these accounts. They do not match my financial history, and I believe my credit file has been improperly merged with another consumers information. 
Applicable Federal Laws : FCRA 607 ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.
FCRA 611 : I have the right to dispute any information I believe is inaccurate or does not belong to me.

FCRA 609 ( a ) ( 1 ) : I have the right to know the sources of information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: OH

Complaint narrative:
I am submitting this follow-up complaint regarding several accounts appearing on my credit report that do not belong to me. While these accounts are listed as positive, they are not associated with my financial history and may have been mistakenly linked to my report due to a similar name, address, or other identifying information. 
The accounts in question include : DEPT OF EDUCATION/XXXX XXXX Balance : {$2400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} I have no record of opening or authorizing these accounts. They do not match my financial history, and I believe my credit file has been improperly merged with another consumers information. 
Applicable Federal Laws : FCRA 607 ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.
FCRA 611 : I have the right to dispute any information I believe is inaccurate or does not belong to me.

FCRA 609 ( a ) ( 1 ) : I have the right to know the sources of information being reported.

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 2025-09-13 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: PA

Complaint narrative:
This account with XXXX cable communications appeared on my credit report as a result of a data breach and identity theft. I did not open or authorize this account. 

I requested that XXXX to provide documentation proving that I applied for or used this account, but they have not provided any proof. 

I have filed an FTC Identity Theft Report ( attached ), and I am requesting that this fraudulent account and all related reporting be permanently removed from my credit reports under my rights in the Fair Credit Reporting Act ( FCRA 605B ).

This account is inaccurate, fraudulent, and is causing me financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting Immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer. Account : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: WV

Complaint narrative:
I have told them on numerous times to remove the charge off from my account because its not mine and they told me to send proof I did my social my drivers liscence my police report for stolen identity

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 2025-09-13 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: VA

Complaint narrative:
From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian / Equifax / TransUnion Subject XXXX XXXX XXXX XXXX Removal Request Unauthorized/Unverified Inquiries ________________________________________ Notice of Dispute I, XXXX XXXX, am disputing the following inquiries that appear on my consumer credit file. These inquiries were made without my knowledge, consent, or permissible purpose under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ).

Unless you can provide documented proof of authorization, these inquiries must be deleted immediately. 
________________________________________ Unauthorized / Unverified Inquiries Creditor / Company Date of Inquiry Business Type Issue XXXX XXXX  XX/XX/XXXX Auto Financing No authorization XXXX XXXX XXXX XX/XX/XXXX Auto Financing Duplicate / Unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Financing No authorization XXXX XXXX XXXX XX/XX/XXXX Auto Financing No authorization XXXX XXXX XXXX XX/XX/XXXX Finance No authorization XXXX XX/XX/XXXX Bank Credit Card No proof of authorization XXXX XXXXXX/XX/XXXX Finance No authorization ________________________________________ Cease & Desist Demand I demand that you : 1. Provide documented evidence of my authorization for each inquiry listed above. 
2. Remove all unauthorized/unverified inquiries from my credit file within 30 days per FCRA 611 ( a ) ( 6 ).

3. Cease reporting inquiries that can not be validated.

________________________________________ Supporting Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 257 F.3d 409 ( 4th Cir. 2001 ) : CRAs must ensure accuracy and permissible purpose of reported items. 
XXXX XXXX Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) : Reinforces CRA duty to conduct reasonable investigations. 
________________________________________ Relief Demanded If the above inquiries can not be validated, they must be deleted from my consumer credit file. Failure to comply will result in pursuit of remedies under FCRA 616617, including statutory damages, attorneys fees, and injunctive relief. 
________________________________________ 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 2025-09-13 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: NM

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I contacted the company about problems getting on their website. It kept saying the code was wrong or expired immediately after it was sent to me. I also told the gal I talked with that at one point when I tried to get online, the site said it would be down for several days. She was surprised to hear this. Tonight it is saying my user name or password was wrong. I tried several times and even went completely out and brought up the website again. They have no IT personal to help. This concerns me about my personal information on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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 am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed a bankruptcies appearing on my Experian credit report. Experian responded that they relied on a vendor who collected the information from a public record source instead of verifying directly with the court. This is not a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). XXXX and Experian have both given me inconsistent responses at one point XXXX admitted there was no bankruptcies record, then later said it reappeared. This inconsistency shows the record is not verifiable and should be deleted.

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 2025-09-13 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: VA

Complaint narrative:
REGULAR I am sending to formally dispute inaccurate information on my Experian and Equifax credit report concerning my student loan accounts reported by XXXX. 

Upon reviewing my credit report, I noticed that XXXX separate entries are listed under the same loan number. However, these entries reflect different balances and opening dates, which is both confusing and misleading. This appears to be a duplication error. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$52000.00} Date Opened : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$61000.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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 respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Nature of the Complaint : I am filing this complaint directly against [ Experian / XXXX  / XXXX  ] regarding their continued reporting of an unverifiable and predatory tradeline in violation of the Fair Credit Reporting Act ( FCRA ). 



Details : On XX/XX/year>, I submitted CFPB Complaint ID XXXX against the furnisher ( XXXX XXXX  ) concerning a repossession tradeline. The CFPB confirmed that the company can not respond to this complaint. This refusal to verify constitutes a failure under the FCRA. 

Additionally : XXXX XXXX has never provided the original signed Retail Installment Sales Contract despite repeated requests. Instead, they continue to recycle altered or partial documents. 
The contract itself contains predatory and deceptive terms, including a clause stating there will never be any unearned finance charges to rebate, which strips consumers of any real benefit of early payoff and violates Truth in Lending standards. 
XXXX XXXX has failed to provide required repossession notices, auction paperwork, and deficiency balance calculations. 
XXXX  has also failed to produce proof of 1099-C charge-off filings, even though the account is marked as Profit & Loss Written Off. This contradiction shows the tradeline is inaccurate and misleading.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate. 

Since the furnisher can not verify and has explicitly refused to respond through CFPB, [ Experian / Equifax XXXX TransUnion ] is legally obligated to delete this tradeline immediately. Continuing to report it without verification is a willful violation of the FCRA. 



Requested Resolution : Delete the unverifiable repossession/vehicle loan tradeline in full. 
Provide me with an updated consumer credit report reflecting this deletion. 
Notice : Failure to comply within 15 days will result in escalation, including : 1. A second CFPB complaint targeting bureau misconduct.

2. A formal Intent to Sue letter.

3. A federal civil action under 15 U.S.C. 1681n for willful noncompliance ( statutory damages of {$1000.00} per violation, plus actual damages, attorneys fees, and costs ). 

I am attaching/saving : The CFPB confirmation email showing the furnisher refused to respond. 
Proof that XXXX XXXX has never provided the original contract or required documentation. 
Evidence that the account is listed as written off ( 1099-C ), contradicting continued collection and 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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This account with the XXXX XXXX XXXX  appeared on my credit report as a result of a data breach and identity theft. I did not open or authorize this account. 

I requested that XXXX XXXX XXXX  to provide documentation proving that I applied for or used this account, but they have not provided any proof. 

I have filed an FTC Identity Theft Report ( attached ), and I am requesting that this fraudulent account and all related reporting be permanently removed from my credit reports under my rights in the Fair Credit Reporting Act ( FCRA 605B ).

This account is inaccurate, fraudulent, and is causing me financial and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
I disputed a bankruptcies appearing on my XXXX  credit report. XXXX  responded that they relied on a vendor who collected the information from a public record source instead of verifying directly with the court. This is not a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). LexisNexis and XXXX  have both given me inconsistent responses at one point LexisNexis admitted there was no bankruptcies record, then later said it reappeared. This inconsistency shows the record is not verifiable and should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

Company response to consumer: Closed with non-monetary relief