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: Experian Information Solutions Inc.
State: NC

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 XXXX XXXX High Balance {$0.00} XXXX XXXXXXXX High Balance {$0.00} XXXX XXXX XXXX High Balance {$0.00} XXXX XXXX High Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX High Balance {$790.00} XXXXXXXX XXXX XXXXXXXX High Balance {$0.00} XXXXXXXX XXXX XXXX High Balance {$0.00} XXXX  XXXX High Balance {$0.00} XXXX  XXXX XXXX High Balance {$0.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this report to document fraudulent and inaccurate personal information appearing on my credit reports with Experian, Equifax, and TransUnion. This information includes multiple addresses and name variations that I have never used and are not associated with me. These errors are the result of identity theft and/or reporting inaccuracies and have caused significant harm to my credit profile. 

* * Fraudulent Addresses Reported on My Credit File : * * XXXX. XXXX XXXX XXXX, XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX Apt XXXX, XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX, XXXX, SC XXXX * * Correct Address That Should Remain : * * * XXXX XXXX XXXX, XXXX, SC XXXX * * Incorrect Names Reported on My Credit File : * * * XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX ( duplicate ) * * Correct Name That Should Remain : * * * XXXX XXXX XXXX XXXX * * Action Taken : * * On XX/XX/year>, I sent formal dispute letters to Experian, Equifax, and TransUnion requesting the removal of the fraudulent addresses and incorrect names listed above. These letters cite my rights under the Fair Credit Reporting Act ( FCRA ) and request written confirmation from each bureau once the corrections have been made. 

* * Requested Resolution : * * I request that the Federal Trade Commission document this report as part of my identity theft record and assist, if necessary, in ensuring the three credit bureaus remove all fraudulent addresses and names from my file so that my credit report reflects only my accurate personal information. 

* * Signature : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this report to document fraudulent and inaccurate personal information appearing on my credit reports with Experian, Equifax, and TransUnion. This information includes multiple addresses and name variations that I have never used and are not associated with me. These errors are the result of identity theft and/or reporting inaccuracies and have caused significant harm to my credit profile. 

* * Fraudulent Addresses Reported on My Credit File : * * XXXX. XXXX XXXX XXXX, XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX Apt XXXX, XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX, XXXX, SC XXXX * * Correct Address That Should Remain : * * * XXXX XXXX XXXX, XXXX, SC XXXX * * Incorrect Names Reported on My Credit File : * * * XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX ( duplicate ) * * Correct Name That Should Remain : * * * XXXX XXXX XXXX XXXX * * Action Taken : * * On XX/XX/year>, I sent formal dispute letters to Experian, Equifax, and TransUnion requesting the removal of the fraudulent addresses and incorrect names listed above. These letters cite my rights under the Fair Credit Reporting Act ( FCRA ) and request written confirmation from each bureau once the corrections have been made. 

* * Requested Resolution : * * I request that the Federal Trade Commission document this report as part of my identity theft record and assist, if necessary, in ensuring the three credit bureaus remove all fraudulent addresses and names from my file so that my credit report reflects only my accurate personal information. 

* * Signature : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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
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: CA

Complaint narrative:
I am disputing a late payment entry on my credit report that is inaccurate. I have never missed or been late with payments on this account, as confirmed by my records. This erroneous entry is unfairly damaging my credit profile.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute the reported late payment on my credit report as it is inaccurate. I have verified my payment records and confirmed all payments were made on time. This error has caused me undue harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An account has been added to my credit report without my consent or approval. I have never engaged in any transactions with the reporting party, and this account is the result of fraudulent activity. Its presence is inaccurate and negatively affects my credit standing.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In reviewing my credit reports, I found that XXXXXXXX XXXX  is reporting inaccurate and unverifiable information. This account was closed in XXXX, but Equifax is reporting activity in XXXX, which constitutes account re-aging and is prohibited under the Fair Credit Reporting Act ( FCRA ). There are also discrepancies among the credit bureaus regarding the date of last activity, account status, and balance, meaning the information can not be verified as accurate.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data they know or should know is inaccurate. Under FCRA 611 ( a ), the credit bureaus must delete any information that can not be verified. I am requesting the immediate deletion of this account from all credit bureaus.

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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, I am entitled to have these fraudulent items blocked from my credit report upon submission of a valid identity theft report. 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 2025-08-11 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: CA

Complaint narrative:
the furnisher and CRAs have proven one thing : they are intentionally violating consumer protection laws with reckless disregard. I have cited FCRA Sections 609 ( a ), 611 ( a ), and 623 ( b ), and I have referenced XXXX XXXX technical guidelines, yet theyve continued to report noncompliant, outdated, and unverifiable data. 

They have provided no signed contracts, no chain of custody, and no proof of accuracy. Continuing to report this data is a UDAP violation, and it exposes these agencies to regulatory fines and civil lawsuits.

This isnt a mistakeits willful, harmful, and unlawful.

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: NY

Complaint narrative:
I am filing this formal complaint against TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, TransUnion has failed to remove or block fraudulent account from my credit file as required by law. The account in question include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. TransUnions refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting account without proper notice. This failure has caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/ 2025 letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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: 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX  Date of Inquiry XX/XX/scrub> 2025, XXXX XXXXL Date of Inquiry XX/XX/year>2025, XXXX XXXX  Date of Inquiry XX/XX/year>2025, XXXX XXXX XXXX Date of Inquiry XXXX XXXX, 2025, XXXX XXXX  Date of Inquiry XX/XX/scrub> 2025, XXXX XXXX Date of Inquiry XX/XX/year>2025, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>2025, XXXX  Date of Inquiry XX/XX/year>2025 2025

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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX  Date of Inquiry XX/XX/scrub> 2025, XXXX XXXXL Date of Inquiry XX/XX/year>2025, XXXX XXXX  Date of Inquiry XX/XX/year>2025, XXXX XXXX XXXX Date of Inquiry XXXX XXXX, 2025, XXXX XXXX  Date of Inquiry XX/XX/scrub> 2025, XXXX XXXX Date of Inquiry XX/XX/year>2025, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>2025, XXXX  Date of Inquiry XX/XX/year>2025 2025

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint to dispute certain information on my credit report that is both outdated and inconsistent compared to information reported by other major credit bureaus. Specifically, some late payment activity and inquiries appearing on my file exceed the permissible reporting time limits established under federal law. Negative information such as late payments should no longer be reported beyond seven years, and inquiries older than two years should also be removed.XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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

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: NY

Complaint narrative:
I am filing a complaint to dispute certain information on my credit report that is both outdated and inconsistent compared to information reported by other major credit bureaus. Specifically, some late payment activity and inquiries appearing on my file exceed the permissible reporting time limits established under federal law. Negative information such as late payments should no longer be reported beyond seven years, and inquiries older than two years should also be removed.XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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