vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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 problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$230.00} Inquiries XXXX Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year>

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I am disputing the accuracy and completeness of information being reported by XXXX XXXX  XXXX regarding a closed credit card account. 



The account is marked as a charge-off with a past due balance of {$580.00} and a worst payment status of XXXX days late. However, there are multiple inconsistencies and potential inaccuracies in the credit reporting, including : The account is listed as closed in XX/XX/XXXX, yet derogatory reporting and status updates continue through XX/XX/XXXX. 

The payment history shows derogatory marks and late payments after the account was closed, which violates credit reporting standards. 

The reported balance and charge-off status appear to conflict, with the account being closed by the creditor but still showing as active and past due. 



Under the Fair Credit Reporting Act ( FCRA ), all information on a consumers credit report must be accurate, complete, and verifiable. These reporting inconsistencies suggest the information is either outdated or unverifiable. 



I respectfully request that the account either be corrected immediately or removed entirely from all consumer credit reports if accurate reporting can not be verified. 



This account is negatively impacting my creditworthiness and my ability to secure housing and financial services, and I am requesting CFPB support in having this matter resolved.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I am disputing the accuracy and completeness of information being reported by XXXXXXXX XXXX XXXXXXXX regarding a closed credit card account. 



The account is marked as a charge-off with a past due balance of {$580.00} and a worst payment status of XXXX days late. However, there are multiple inconsistencies and potential inaccuracies in the credit reporting, including : The account is listed as closed in XX/XX/XXXX, yet derogatory reporting and status updates continue through XX/XX/XXXX. 

The payment history shows derogatory marks and late payments after the account was closed, which violates credit reporting standards. 

The reported balance and charge-off status appear to conflict, with the account being closed by the creditor but still showing as active and past due. 



Under the Fair Credit Reporting Act ( FCRA ), all information on a consumers credit report must be accurate, complete, and verifiable. These reporting inconsistencies suggest the information is either outdated or unverifiable. 



I respectfully request that the account either be corrected immediately or removed entirely from all consumer credit reports if accurate reporting can not be verified. 



This account is negatively impacting my creditworthiness and my ability to secure housing and financial services, and I am requesting CFPB support in having this matter resolved.

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 2025-05-27 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: CA

Complaint narrative:
Complaint for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I am disputing the accuracy and completeness of information being reported by XXXXXXXX XXXX XXXXXXXX regarding a closed credit card account. 



The account is marked as a charge-off with a past due balance of {$580.00} and a worst payment status of XXXX days late. However, there are multiple inconsistencies and potential inaccuracies in the credit reporting, including : The account is listed as closed in XX/XX/XXXX, yet derogatory reporting and status updates continue through XX/XX/XXXX. 

The payment history shows derogatory marks and late payments after the account was closed, which violates credit reporting standards. 

The reported balance and charge-off status appear to conflict, with the account being closed by the creditor but still showing as active and past due. 



Under the Fair Credit Reporting Act ( FCRA ), all information on a consumers credit report must be accurate, complete, and verifiable. These reporting inconsistencies suggest the information is either outdated or unverifiable. 



I respectfully request that the account either be corrected immediately or removed entirely from all consumer credit reports if accurate reporting can not be verified. 



This account is negatively impacting my creditworthiness and my ability to secure housing and financial services, and I am requesting CFPB support in having this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached 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. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
I was looking at my credit report and i saw XXXX account that was opened fraudulently. 

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 2025-05-27 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX XXXX FIN # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX XXXX DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: AR

Complaint narrative:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} IXXXX XXXX - Account Number : 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 : {$29000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$40.00} XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} Inquiries EXPERIAN XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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 to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-05-27 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: LA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-27 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: NV

Complaint narrative:
RE : FORMAL DISPUTE REQUEST FOR PERMANENT DELETION OF UNVERIFIABLE NEGATIVE ITEMS To Whom It May Concern, I am formally disputing the following negative items currently appearing on my credit report. These accounts are inaccurate, incomplete, and/or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), you are required to delete any such information if it can not be verified within the legal timeframe. 
THE FOLLOWING NEGATIVE ITEMS ARE DISPUTED : All charge-off accounts All late payments ( 30180 days ) Any accounts marked as 'Derogatory ', 'Voluntary Surrender ', or 'Repossession ' All collections ( previously disputed ) LEGAL BASIS FOR DISPUTE : - FCRA 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate or unverifiable information.

- FCRA 605 ( a ) : No negative account may be reported longer than 7 years.

- FCRA 623 ( a ) ( 1 ) ( A ) : Data furnishers must ensure accuracy.

- FDCPA 807 : Prohibits any false, deceptive, or misleading representation by collectors. 
I DEMAND THE FOLLOWING : - Permanent deletion of all listed negative items if verification can not be completed within 30 days. 
- Full details on the method of verification, including the name, address, and supporting documents. 
- Written confirmation of your findings and a revised copy of my credit report. 
- All items marked as 'Disputed by Consumer ' during the investigation period. 
Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Nevada Attorney General. I reserve the right to pursue legal remedies for any violations. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Complaint for Goldman Sachs Bank USA ( GS Bank USA ) : I am disputing the accuracy and completeness of information being reported by GS BANK USA regarding a closed credit card account. 



The account is marked as a charge-off with a past due balance of {$580.00} and a worst payment status of XXXX days late. However, there are multiple inconsistencies and potential inaccuracies in the credit reporting, including : The account is listed as closed in XX/XX/XXXX, yet derogatory reporting and status updates continue through XX/XX/XXXX. 

The payment history shows derogatory marks and late payments after the account was closed, which violates credit reporting standards. 

The reported balance and charge-off status appear to conflict, with the account being closed by the creditor but still showing as active and past due. 



Under the Fair Credit Reporting Act ( FCRA ), all information on a consumers credit report must be accurate, complete, and verifiable. These reporting inconsistencies suggest the information is either outdated or unverifiable. 



I respectfully request that the account either be corrected immediately or removed entirely from all consumer credit reports if accurate reporting can not be verified. 



This account is negatively impacting my creditworthiness and my ability to secure housing and financial services, and I am requesting CFPB support in having this matter resolved.

Company response to consumer: Closed with non-monetary relief