vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting XXXX  and Equifax Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XX/XX/year> To : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ______________________________________ TXXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Subject : Formal Dispute of Student Loan Account No Contract, No Proof of Debt Pursuant to 15 USC 1681i ( FCRA ) and 15 USC 1692g ( FDCPA ), I am disputing the accuracy and validity of the above-referenced account currently appearing on my credit file. 



This account is being reported as if I owe a debt. I have no contract or agreement with your company, and I demand full validation. You are required to provide the following : The original, wet-ink promissory note containing my signature. 
A full transactional accounting ledger proving that you ( or the original lender ) loaned me actual funds from your own account, rather than funds generated from my signature. 
Proof that the debt has not been sold, transferred, securitized, or otherwise paid by third parties. 
Proof of your legal standing as the holder in due course of the alleged obligation. 


Verification through mere database confirmation or third-party reporting does not satisfy federal requirements. If you can not produce the above within the statutory time limit, you must immediately remove this account from my credit file and cease all collection activity. 

Failure to respond with full validation within XXXX calendar days will be taken as your agreement that no such records exist and that the debt is unsubstantiated, requiring deletion of all related entries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: WI

Complaint narrative:
Equifax is reporting inaccurate information about a XXXX XXXX XXXX account ( Account XXXX ) that was confirmed closed and returned to the original creditor on XX/XX/year>, per the CFPBs own records. Despite this verified closure, Equifax continues to list the account, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) & 1681i ( a ) ( 5 ) ). This false reporting has already caused credit denials, damaged my score, and harmed my financial opportunities. I am requesting immediate deletion of this account from my credit report, written confirmation of the removal, and correction of any credit decisions affected by this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
On XX/XX/year>, I requested Equifax, Experian, and TransUnion, respectively, conduct an investigation of several errors, inaccuracies, and discrepancies discovered on my consumer report via certified mail. 

Following said " investigation, '' the following accounts continue to appear on my report in error : XXXX XXXX- Acct # : XXXX XXXX XXXX XXXX XXXX  XXXX Card Services- Acct # : XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I requested an immediate reinvestigation of the above-mentioned accounts pursuant to the Fair Credit Reporting Act ( FCRA- Public Law XXXX, XXXX VI, Section XXXX, Subsections A-D ) via certified mail. In said request, I instructed each credit bureau to provide the XXXX  of XXXX  used, along with name ( XXXX ) and address ( es ) of each individual who assisted in verifying said item ( XXXX ), and any documentation received. 

To date, Equifax, Experian, and TransUnion, respectively, have failed and/or refused to not only comply with said request, but also conduct a fair and thorough investigation and are therefore in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX : XXXX, XXXX : XX/XX/XXXX Unauthorized addresses remain on my reports despite proof that my only correct address is XXXX XXXX XXXX, XXXX, AL XXXX unauthorized hard inquiries XXXX XXXXXX/XX/XXXX with no permissible purpose, in violation of

15 U.S.C. 1681b. that you the Equifax credit reporting agency, block information appearing on my consumer credit report. Several accounts are being reported inaccurately, re-aged, or duplicated, including XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Disputed accounts remain listed as derogatory without proper reinvestigation or update, violating 15 U.S.C. 1681i ( a ) ( 2 ) ( B ).

Some accounts may be reporting beyond the allowable reporting period under 15 U.S.C. 1681c ( a ).

I sent detailed dispute letters via certified mail to all three bureaus, requesting deletion of the inaccurate information within the 30-day period allowed by law. I provided supporting documentation, but the bureaus failed to correct the errors or provide proper verification from the original creditors. In some cases, they verified the accounts without supplying any documentation. 

Remove all unauthorized addresses and inquiries. 

Delete all inaccurate, outdated, or unverifiable accounts. 

Provide written confirmation from each bureau. 

These ongoing violations have harmed my credit standing and caused financial and emotional distress. I request the CFPB investigate and take enforcement action to ensure compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MS

Complaint narrative:
Re : Formal Identity Theft Dispute 15 U.S.C. 1681b & 15 U.S.C. 1681c-2 To Whom It May Concern, I am formally disputing the reporting of the following accounts as they are the result of identity theft and were opened or reported without my consent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Charge-Off Under 15 U.S.C. 1681b, you are prohibited from furnishing my consumer report without a permissible purpose, and under 15 U.S.C.1681c-2, you are required to block all information that I identify as resulting from identity theft within 4 business days of receiving my request and supporting documentation.

Enclosed are my identity theft affidavit, government-issued photo ID, and proof of address. I demand that you immediately block and remove these accounts from my credit file, notify all parties who have received my consumer report in the last six months, and provide me with written confirmation of the actions taken.

Failure to comply will constitute willful noncompliance under the Fair Credit Reporting Act and will subject you to civil liability.

Sincerely, XXXX XXXX Enclosures : Identity Theft Affidavit ( FTC or Police Report ) Government-issued ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MS

Complaint narrative:
Re : Formal Identity Theft Dispute 15 U.S.C. 1681b & 15 U.S.C. 1681c-2 To Whom It May Concern, I am formally disputing the reporting of the following accounts as they are the result of identity theft and were opened or reported without my consent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Charge-Off Under 15 U.S.C. 1681b, you are prohibited from furnishing my consumer report without a permissible purpose, and under 15 U.S.C.1681c-2, you are required to block all information that I identify as resulting from identity theft within 4 business days of receiving my request and supporting documentation.

Enclosed are my identity theft affidavit, government-issued photo ID, and proof of address. I demand that you immediately block and remove these accounts from my credit file, notify all parties who have received my consumer report in the last six months, and provide me with written confirmation of the actions taken.

Failure to comply will constitute willful noncompliance under the Fair Credit Reporting Act and will subject you to civil liability.

Sincerely, XXXX XXXX Enclosures : Identity Theft Affidavit ( FTC or Police Report ) Government-issued ID

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 2025-08-11 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: NV

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-11 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$180000.00} Late 30 days XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX60 days Late XXXX XXXX # XXXX days late XXXX XXXX days late XX/XX/XXXX and 90 days late XX/XX/XXXX XXXX XXXXXXXX XXXX  Balance Owed : {$2000.00} late 30 days XXXX XXXX 60 days late XX/XX/XXXX and # XXXX  days late XXXX XXXX60 days late XXXX XXXX, 90 days late XXXX XXXX and 120 days late XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$180000.00} Late 30 days XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX60 days Late XXXX XXXX # XXXX days late XXXX XXXX days late XX/XX/XXXX and 90 days late XX/XX/XXXX XXXX XXXXXXXX XXXX  Balance Owed : {$2000.00} late 30 days XXXX XXXX 60 days late XX/XX/XXXX and # XXXX  days late XXXX XXXX60 days late XXXX XXXX, 90 days late XXXX XXXX and 120 days late XX/XX/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 2025-08-11 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-08-11 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX U.S. Code $ XXXX 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, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$190.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  - 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