vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
The credit bureaus stated that the account name and account number were properly investigated. However, this is inaccurate, as the open date, date of last activity, and date last reported all contain discrepancies. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of the information they report. Any failure to do so violates federal law and justifies immediate removal.

Furthermore, my rights under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) have been violated. This section states that a consumer reporting agency may not furnish a consumer report without the written instruction of the consumer. I have never provided written permission for these accounts to be reported on my credit file.

In addition, under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the consumer reporting agencies are required to conduct a reasonable reinvestigation. Simply verifying account name and number while ignoring the inaccurate dates and other misleading data does not constitute a reasonable investigation and is a direct violation of this provision. 

Also, under 15 U.S.C. 1681g, I have the right to full disclosure of the nature and substance of all information in my file. Any failure to provide this or any inaccurate disclosure is another violation.

Lastly, continuing to report this account without proper verification and authorization violates 15 U.S.C. 1681s-2 ( b ), which places an obligation on the data furnisher to investigate and correct any information found to be inaccurate or incomplete once notified. 

For these reasons due to the inaccuracies, improper investigation, lack of written authorization, and multiple violations of my rights under the Fair Credit Reporting Act I am demanding the immediate removal of this account from 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 explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
The credit bureaus stated that the account name and account number were properly investigated. However, this is inaccurate, as the open date, date of last activity, and date last reported all contain discrepancies. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of the information they report. Any failure to do so violates federal law and justifies immediate removal.

Furthermore, my rights under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) have been violated. This section states that a consumer reporting agency may not furnish a consumer report without the written instruction of the consumer. I have never provided written permission for these accounts to be reported on my credit file.

In addition, under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information, and the consumer reporting agencies are required to conduct a reasonable reinvestigation. Simply verifying account name and number while ignoring the inaccurate dates and other misleading data does not constitute a reasonable investigation and is a direct violation of this provision. 

Also, under 15 U.S.C. 1681g, I have the right to full disclosure of the nature and substance of all information in my file. Any failure to provide this or any inaccurate disclosure is another violation.

Lastly, continuing to report this account without proper verification and authorization violates 15 U.S.C. 1681s-2 ( b ), which places an obligation on the data furnisher to investigate and correct any information found to be inaccurate or incomplete once notified. 

For these reasons due to the inaccuracies, improper investigation, lack of written authorization, and multiple violations of my rights under the Fair Credit Reporting Act I am demanding the immediate removal of this account from 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 2025-07-28 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: AL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 2025-07-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Fraudulent Account 's XXXX XXXXXXXX ( {$6100.00} ) - XXXX XXXX XXXX - {$34000.00} CC : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am writing to dispute the accuracy and legitimacy of a derogatory account reporting on my XXXX  credit report : Creditor : XXXX XXXX  XXXX  Account Balance : {$34000.00} Creditor : XXXX  XXXX Account Balance : {$6100.00} Reason : Fraudulent / Identity Theft I have never applied for, opened, or authorized any account with XXXX  XXXX and XXXXXXXX XXXX XXXX. I am a XXXX XXXX who primarily operates on a cash basis and does not rely on credit. I recently discovered this unauthorized account while reviewing my credit report.

Furthermore, I have learned that my personal information was compromised in the XXXX XXXX XXXX XXXX, which I believe may have led to this identity theft. I am providing the following documentation to support my claim : A copy of my government-issued photo ID A copy of my Social Security card FTC Identity Theft Affidavit Police report from my local law enforcement agency Screenshot of the data breach notice Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I formally demand that this account be permanently deleted from my XXXX credit report. Continuing to report this account violates the following statutes : 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1681b Limits on access and permissible purpose 15 U.S.C. 1681c-2 ( a ) Blocking of information resulting from identity theft 15 U.S.C. 1681n & 1681o Civil liability for willful and negligent noncompliance 15 U.S.C. 6802 Privacy of consumer financial information 18 U.S.C. 1028A Aggravated identity theft 15 U.S.C. 1692g Debt validation requirements under the FDCPA Please conduct a full reinvestigation as required by FCRA 1681i, and provide written confirmation that the XXXX XXXX account has been deleted from my XXXX  file. If this account is not permanently removed within 30 days of receipt of this letter, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action.

You are hereby notified that you do not have my authorization to furnish or continue to report fraudulent, inaccurate, or unverifiable information.

Sincerely, [ Your Printed Name ] ( Not signed to protect against signature forgery ) Enclosures : FTC Identity Theft Affidavit Police Report Government-Issued ID Social Security Card Copy Screenshot of Data Breach Notification CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 am filing this complaint because the consumer reporting agency failed to meet 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 detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
My old phone number ( XXXX ) got hacked on XX/XX/year> and I lost connection to the mobile signal. Then the scammer probably somehow got control of my old phone number, which I did not have any connection. The scammer then entered into my online bank profiles on XX/XX/year> and changed the user name and password. Also the scammer used my credit report to lend a credit card from XXXX XXXX, XXXX XXXX on XX/XX/year> and that led to a hard credit check. I did not do this credit check and it was the scammer who did that. Please remove this hard credit check from my profile. Also Equifax alert team found email id ( XXXX ) on a fraudulent trading site XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: ID

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX {$0.00} # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX {$0.00} # XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} INQUIRIES : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
XX/XX/2025 sent debt validation letter disputing the amount of {$1000.00} and {$2000.00}. There has been no response verifying that I owe their company this debt along with failing to send information about this debt that I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Several accounts have been reporting inaccurate and unverifiable information on my credit file, which has significantly affected my creditworthiness. Many of these accounts, including those from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and several others, are showing negative or derogatory statuses without providing any supporting documentation such as a signed contract, itemized billing, or validation of debt. Some accounts, like those reported by XXXX and XXXX XXXX, continue to report negative despite being paid off or showing a XXXX balance. Additionally, there are duplicate listings and inconsistencies across credit bureaus that are unfairly damaging my credit. Several medical collections have been reported without any HIPAA authorization or proof of billing, and inquiries from companies such as XXXX XXXX XXXX, and XXXX appeared without my consent. I have previously disputed these items, but they remain unresolved. I am requesting a reinvestigation and removal of any unverifiable or inaccurately reported information in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-07-28 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX/DOFED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX/DOFED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX/DOFED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX/DOFED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company continues to report inaccurate and misrepresent information on all three bureaus. They continue to re-age accounts, attempt to collect on charged-off or closed accounts for which the original creditor has filed a 1099c form with the IRS, and received payment. My personal information was shared without my permission ( permissible purpose ), no validation documentation has been provided, ie, chain of ownership, original purchase agreement, flow agreement, and complete payment history from the original account. Sending printouts of billing statements is not a legal validation document. My consumer rights have been violated, and this company is using deceptive practices. Several FCRA LAWS have been violated, here are just a few, but not limited to : 15USC 1681a, b, c, d, n, 15USC 1692g, s2, 15 USC6802 sec 604,18USC1028 A, B,

Company response to consumer: Closed with explanation