vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XX/XX/scrub>XX/XX/XXXXwith a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am formally disputing the accuracy and legitimacy of a derogatory entry reported by XXXX XXXX, listed as 30 days past due, currently appearing on my Transunion, Equifax and Experian credit report. This account is fraudulent and unauthorizedI have never applied for, opened, nor authorized any account with this entity. 

The presence of this inaccurate, unverifiable, and fraudulent item is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) XXXXXXXX XXXX duty to investigate and correct inaccurate or fraudulent information after being notified of a dispute. 

In addition, I am also disputing any unauthorized hard inquiries associated with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX any other third party that accessed my credit file without my express written consent. According to 15 U.S.C. 1681b ( c ), no party is permitted to obtain my consumer report without a permissible purpose. Any inquiries related to this fraudulent account must also be permanently removed. 

This fraudulent reporting and inquiry activity is causing material harm to my creditworthiness and was conducted without my knowledge or consent. It is unverifiable, as I demand strict proof of the accounts origin, application, inquiry authorization, and signed agreementall of which can not exist, because I never initiated or approved any such obligation. 

As required under FCRA 611, you have 30 days from the receipt of this dispute to complete a thorough investigation. If XXXX XXXX can not provide documented, verifiable proof of this accounts validity, signed by me, the item and all related inquiries must be permanently deleted from my credit file. 

Please send written confirmation of deletion to my address above. This letter also serves as formal notice to block and remove this account and related inquiries pursuant to FCRA 1681c-2, governing identity theft and fraud procedures.

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 2025-07-08 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 disputing the accuracy and legitimacy of a derogatory entry reported by XXXX XXXX, listed as 30 days past due, currently appearing on my Transunion, Equifax and Experian credit report. This account is fraudulent and unauthorizedI have never applied for, opened, nor authorized any account with this entity. 

The presence of this inaccurate, unverifiable, and fraudulent item is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( b ) XXXXXXXX XXXX duty to investigate and correct inaccurate or fraudulent information after being notified of a dispute. 

In addition, I am also disputing any unauthorized hard inquiries associated with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX any other third party that accessed my credit file without my express written consent. According to 15 U.S.C. 1681b ( c ), no party is permitted to obtain my consumer report without a permissible purpose. Any inquiries related to this fraudulent account must also be permanently removed. 

This fraudulent reporting and inquiry activity is causing material harm to my creditworthiness and was conducted without my knowledge or consent. It is unverifiable, as I demand strict proof of the accounts origin, application, inquiry authorization, and signed agreementall of which can not exist, because I never initiated or approved any such obligation. 

As required under FCRA 611, you have 30 days from the receipt of this dispute to complete a thorough investigation. If XXXX XXXX can not provide documented, verifiable proof of this accounts validity, signed by me, the item and all related inquiries must be permanently deleted from my credit file. 

Please send written confirmation of deletion to my address above. This letter also serves as formal notice to block and remove this account and related inquiries pursuant to FCRA 1681c-2, governing identity theft and fraud procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
The documentation I received was insufficient to the information required under the FCBA 15 U.S.C. 1666b. Pursuant to my rights under Section 163 of the TILA, I did not receive the periodic statement including the information required by TILA section 127 ( b ) within 21 days before the payment due date from the creditor. The law states in the FCRA 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under limited circumstances, one of which is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written documentation authorizing this creditor to furnish information on my credit report. FCRA 15 U.S.C. 1681a ( 2 ) explicitly excludes from the definition of " consumer report '' any " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The information the creditor has improperly included in my credit report falls squarely within this exclusion, as it pertains only to my direct transactions and experiences with the company. Furnishers of information to consumer reporting agencies have the following responsibilities under FCRA 15 U.S.C. 1681s-2 : Duty to provide accurate information and duty to correct and update Information.

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 2025-07-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, GA XXXX. I am filing this formal complaint against the XXXX major credit reporting agencies-Equifax, XXXX, and XXXXfor failing to accurately report and correct information on my credit file concerning the XXXX account ( Account XXXX ending in XXXX ). 
Despite the account being paid and closed, Equifax and XXXX  continue to report a negative status and a " Late 30 Days '' remark after the account was closed. Meanwhile, XXXX  reports the account as positive, highlighting inconsistencies between the agencies. These inaccuracies violate several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : - 15 U.S. Code 1681e ( b ) - Duty of credit reporting agencies to ensure maximum possible accuracy.- 15 U.S. Code 1681i ( a ) - Duty to reinvestigate disputes submitted by consumers.- 15 U.S. Code 1681s-2 ( a ) - Furnisher responsibilities to provide accurate information.

I have already submitted formal disputes to each bureau but the inaccurate information remains unresolved. These errors negatively impact my creditworthiness and financial opportunities. 
I respectfully request that the CFPB investigate this matter and hold Equifax, XXXX, and XXXX  accountable for these violations. I am attaching supporting documentation, including a summary report and copies of my disputes to each bureau. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : 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 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 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo continues to report dated derogatory information that continues to negatively impact my current credit standing. This information shows 30 and 60 lates that was reported 5 years ago or more. This mistake happened after divorce and shifting responsibilities to a between spouses. Since then, I took on the responsibility on paying the outstand debt to the home equity line of credit. We have been current on all bills since this time. We've have asked for removal multiple times over the years due the mishap. Now years later, this is still impacting negatively on my credit. I have summited another Removal and Correction letter as of XX/XX/year> to all three bureaus to fix this immediately. 

XXXXXXXX XXXX show a 30day late that processed on my credit report which occurred during the sale of the home. Never late on payments during the ownership of the home, There was an overlap during the closing and the payment time schedule. We simply ask for removal in proof of good faith prior to this event. Now 3 years later, it is still impacting my credit. 

XXXX XXXX XXXX collection was paid in full and never removed. We have called to permanently remove the information., they stated that we contact the bureaus to remove. I have submitted a removal letter. No outcome. 

A collection from the XXXX XXXX XXXX ( on behalf of XXXX XXXX ) I have paid the bill in full to XXXX directly through XXXX XXXXXX/XX/year> with 3 separate payments in the amount of {$1400.00}. I want it removed from our credit 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXXXXXX XXXX CA XXXX ACCOUNTS : 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 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 2025-07-08 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: MD

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 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 MD XXXX ACCOUNTS : 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 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 explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against Experian and TransUnion for reporting an inaccurate and unverified collection account from XXXX XXXX XXXX on my credit report. 

This account is being reported without any validation or proof that the alleged debt belongs to me, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite not receiving any documentation or legal evidence, Experian and TransUnion continues to allow this item to appear on my consumer credit file, negatively affecting my credit standing. 

I have submitted a formal debt validation request directly to XXXX XXXX XXXX, as required under the Fair Debt Collection Practices Act ( FDCPA ). Until validation is provided, this account should not be reported and must be immediately blocked and removed. 



I am requesting the following : 1. Immediate investigation and enforcement action against Experian and TransUnion for allowing inaccurate information to be reported without proper validation.

2. That the XXXX XXXX XXXXs account be permanently blocked and deleted from my Experian and TransUnion credit report within four ( 4 ) business days of this notice. 
3. Confirmation that Experian and TransUnion is complying with its responsibilities under FCRA 1681i and 605B.

Please let me know once this complaint has been reviewed and resolved. I am prepared to escalate this matter if no corrective action is taken within the required time frame. 

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 2025-07-08 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: DE

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 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 DE XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, 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 2025-07-08 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation