vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian credit report : Equifax credit report : XXXX XXXX XXXX  : Account # XXXX Amount {$6000.00} This account had already been removed from my credit report on XXXX  and Equifax. However, it popped back up on my Experian. I do not have any contract obligating me to this account with XXXX XXXX XXXX. By law, this account has already been removed from my reports due to inaccuracies and misinformation. 

I asking for this account to be permanently removed and blocked from my Experian & Equifax Credit report, as well as blocked from 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 2025-07-10 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to remove fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. 
Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am writing in regard to a collection entry appearing on my credit report. 

This is a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am exercising my right to request detailed documentation and verification of this debt. I do not acknowledge responsibility for this alleged account. 

To properly evaluate your claim, please provide : The full amount of the alleged debt The name and contact information of the original creditor A copy of the signed contract or agreement that created the debt Proof of your authority to collect in the state of Texas Dates of default, assignment, and any ownership transfers Itemized breakdown of charges, interest, and fees Until this documentation is received : Cease all collection efforts Remove or pause reporting of this account from credit bureaus Do not contact me further, except to comply with this request If you fail to validate the debt within 24 hours of receiving this notice, I expect you to permanently remove this entry from all consumer credit reporting agencies

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 2025-07-10 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$94.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: KS

Complaint narrative:
I am disputing the accuracy of XXXX accounts on my TransUnion credit report : XXXX  ( Account # XXXXXXXX XXXX XXXX, unsecured loan, {$1500.00} balance, charged off ) and XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit card, {$6000.00} balance, charged off ). The XXXX account has an unverifiable balance exceeding the high balance and an inaccurate creditor address, and prior disputes in XXXX and XX/XX/year> were inadequately addressed. The XXXX XXXX account reports an unverifiable balance exceeding the credit limit and inconsistent reporting across bureaus. TransUnion failed to provide Automated Consumer Dispute Verification ( ACDV ) records or confirm whether XXXX Letters, criticized in the {$23.00} XXXX XXXX XXXX Trans Union XXXX XXXX settlement ( XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX ), were sent, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). I demand a thorough reinvestigation, ACDV records, XXXX Letter confirmation, furnisher details ( e.g., XXXX XXXX XXXX XXXX for XXXX ; XXXX XXXX for XXXX XXXX  ), and deletion of unverifiable information under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Non-compliance may lead to lawsuits for damages ( 15 U.S.C. 1681n, 1681o ), CFPB enforcement, and reputational harm, especially given TransUnions history of deficient investigations.

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 2025-07-10 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( XXXX ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( XXXX ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/2025. 

Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-07-10 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-10 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Creditor Name : XXXX XXXX Reported Date : XX/XX/XXXX Activity Date : XX/XX/XXXX Reported Balance : {$8900.00} Payment Terms/Status : Delinquent >90 Days Past Due As the designated XXXX of XXXX XXXX XXXX XXXX I assert that this reporting contains inaccurate, incomplete, or unverifiable data. Under 15 U.S.C. 1681e ( b ), Experian is required to maintain maximum possible accuracy in the reporting of credit information. Furthermore, under 15 U.S.C. 1681i ( a ), you are required to reinvestigate any disputed information within 30 days. If you can not verify this information with supporting documentation, you are required under 1681i ( a ) ( 5 ) ( A ) to delete it from my credit file. 

To comply with Metro 2 formatting guidelines, please review and correct the following fields if verified : Account Status Code : Must reflect accurate payment history Date of First Delinquency : Must be confirmed or corrected Balance Amount : Must be verified or updated to current, accurate figure Payment History Profile : Must be reported accurately across months If you can not verify each of these data points using certified documentation from the original furnisher, the law requires that you remove the Bldg Matrl account entirely from my Experian business credit report. 

Please provide a full summary of your reinvestigation results, including : The name and contact details of the data furnisher. 
The method of verification. 
Any changes or deletions made as a result of this dispute.

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 2025-07-10 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXXXXXX XXXX was inhabitable due to roaches. I requested the details of the charges over the phone with the apartment complex and the collection agency. Want the receipt from the repairs to be included. Apartment had no structural damage and left clean and in great shape. Except the roaches were extreme. Request the amount to be adjusted for the new tenants move in date and they did not do that. This is illegal in Arizona to prevent me and block me from acquiring a place due to this public report. Apartment shared my personal info without my permission to an outside non related business. I do have picture and videos of the bugs in my food and running out my few month old furniture. My XXXX XXXX XXXX son had XXXX and nightmares about roaches. Remove the charges for normal wear such as painting.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
[ SEE ATTACHMENTS FOR FULL LIST OF DISPUTED INFORMATION ] I recently reviewed my credit report dated XX/XX/year>, and noticed that all three credit reporting agenciesEquifax, Experian, and TransUnionare listing inaccurate and outdated personal information in my file. This includes old addresses I no longer live at, an employer I never worked for, and a misspelled version of my name. 

On XX/XX/year>, I submitted written disputes to each bureau requesting that they update my file and remove the following incorrect items : A name variation that Ive never used Multiple outdated or unrecognized addresses Employers I am no longer associated with or never worked for I also requested that my file reflect only my accurate legal name, current address, and correct date of birth. I made clear that I do not authorize my employer or phone number to appear in my report at this time. 

These data points are either unverifiable, no longer relevant, or never belonged to me. Their continued presence violates the accuracy and reinvestigation requirements outlined in the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Reasonable procedures to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) : Required reinvestigation of disputed information 611 ( a ) ( 5 ) : Deletion of inaccurate or unverifiable data 605 ( a ) ( 5 ) : Restriction on outdated or irrelevant information Additionally, I have attached proof of my identity and current address to ensure the bureaus can properly authenticate the dispute. I am adding this here because in past complaints, credit bureaus have claimed they could not verify identityeven when documentation was providedor ignored the dispute altogether. 

I am asking that the credit bureaus promptly remove all inaccurate or outdated personal information and confirm the updates in writing. These errors increase the risk of file contamination, misattribution of accounts, and general confusion in my credit profile.

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 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: KY

Complaint narrative:
XX/XX/year> They are a tribal loan company that does not show you your billing or anything online to pay the bill. They only say call them and that is about it. They are a High APR interest rate that is illegal in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
Experian, Transunion and Equifax has reported inaccurate fraudulent information on my credit report.

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