vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of unauthorized XXXX inquiries from my credit report. In accordance with FCRA XXXX ( XXXX U.S.C. XXXX ), the credit bureaus are required to block any information resulting from identity theft within XXXX business days of receiving proper notice. I did not authorize these inquiries, nor did I initiate any applications that would warrant them. Some of these inquiries are unfamiliar to me and raise serious concerns about fraudulent activity. In several instances, these same inquiries have already been removed by other credit bureaus, further supporting my claim. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Disputing Inaccurate Account Information XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( as listed on my credit report ) Im writing to dispute an account thats currently showing up on my credit report from XXXX XXXX XXXX. After reviewing the details, I noticed something that doesnt make sense the account shows a date opened of XXXX XXXX XXXX XXXX XXXX XXXX XXXX which hasnt even happened yet. 
Thats clearly an error. On top of that, the listing is missing some other important info like the date of last payment and payment history. The comments section is either blank or inconsistent, depending on the bureau. Overall, the information just doesnt seem complete or accurate.

Because of these issues, Im asking that this account be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), anything reported needs to be accurate, complete, and fully verifiable and this entry doesnt meet that standard. 
Please take a look, investigate the details, and let me know the results. If it cant be verified or corrected, Id appreciate it if the account is deleted. 

Thanks so much for your time and help with this. 

Best, XXXXXXXX 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 2025-07-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Disputing Inaccurate Account Information XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( as listed on my credit report ) Im writing to dispute an account thats currently showing up on my credit report from XXXX XXXX XXXX. After reviewing the details, I noticed something that doesnt make sense the account shows a date opened of XXXX XXXX XXXX XXXX XXXX XXXX XXXX which hasnt even happened yet. 
Thats clearly an error. On top of that, the listing is missing some other important info like the date of last payment and payment history. The comments section is either blank or inconsistent, depending on the bureau. Overall, the information just doesnt seem complete or accurate.

Because of these issues, Im asking that this account be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), anything reported needs to be accurate, complete, and fully verifiable and this entry doesnt meet that standard. 
Please take a look, investigate the details, and let me know the results. If it cant be verified or corrected, Id appreciate it if the account is deleted. 

Thanks so much for your time and help with this. 

Best, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-18 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: CA

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 explanation
Consumer complaint received 2025-07-18 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 Balance : {$48.00} XXXX XXXX  XXXX Balance : {$390.00} XXXX & XXXX XXXX Balance : {$25000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 Balance : {$48.00} XXXX XXXX  XXXX Balance : {$390.00} XXXX & XXXX XXXX Balance : {$25000.00}

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 2025-07-18 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: MN

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-18 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-18 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 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 non-monetary relief
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-18 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: MN

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a formal identity theft dispute to Equifax under FCRA XXXX, including a valid FTC Identity Theft Report, my government-issued ID, Social Security XXXX XXXX and proof of address. It is now XX/XX/XXXX, and Equifax has failed to block the fraudulent data from my credit file within the required XXXX window, in direct violation of XXXX ( c ) ( XXXX ). The fraudulent information remains unchanged and continues to cause serious harm to my creditworthiness and financial opportunities. I did not open the listed accounts, authorize the hard inquiries, submit any of the employment information, or reside at the reported addresses. This data was added by criminals who stole my identity, and Equifax is now complicit in continuing that damage by ignoring a legally supported dispute. The following fraudulent accounts must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following unauthorized hard inquiries must be deleted : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/XXXX. The following fake employment entries must be removed : XXXXXXXX XXXX and XXXX. The following addresses are fraudulent and must be erased from my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Equifax has everything it needs to act, but has chosen to ignore the law. I demand full and immediate removal of all disputed data. If Equifax continues this noncompliance, I will escalate to the FTC, state regulators, and consider legal action for damages caused by their willful failure to comply with FCRA 605B. I request CFPB oversight to ensure enforcement of federal law and protection of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

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. 
Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRY : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION XXXX ( 15 U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-18 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: MD

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX High Balance : {$550.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXXXXXX  High Balance : {$840.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$1500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$5700.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX High Balance : {$2300.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  High Balance : {$550.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  High Balance : {$4200.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$0.00} Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$340.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  High Balance : {$1700.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : 7 years XXXX High Balance : {$550.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX High Balance : {$550.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXXXXXX  High Balance : {$840.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$1500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$5700.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX High Balance : {$2300.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  High Balance : {$550.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  High Balance : {$4200.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$0.00} Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Duration : 7 years XXXX High Balance : {$340.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Duration : 7 years XXXX  High Balance : {$1700.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : 7 years XXXX High Balance : {$550.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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