vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS AN OUTDATED ACCOUNT. I RECEIVED INFORMATION FROM THE CREDITOR ABOUT THIS ACCOUNT AND I QUOTE Account number XXXX, reference number XXXX, originated with XXXX XXXX XXXX  on XX/XX/XXXX, and was opened with XXXX XXXX XXXX XXXX. This account charged off on XX/XX/XXXX, with a balance of {$400.00}. XXXX acquired this account on XX/XX/XXXX. No payments have been received on this account since it was acquired by XXXX. The current account balance is {$1100.00}. 

This account is outdated and is reporting outdated information and according to Section 605 ( a ) of the federal Fair Credit Reporting Act limits the reporting of " any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' ( 15 U.S.C. 1681c. ) THIS MUST BE DELETED IMMEDIATELY

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS AN OUTDATED ACCOUNT. I RECEIVED INFORMATION FROM THE CREDITOR ABOUT THIS ACCOUNT AND I QUOTE Account number XXXX, reference number XXXX, originated with XXXX XXXX XXXX  on XX/XX/XXXX, and was opened with XXXX XXXX XXXX XXXX. This account charged off on XX/XX/XXXX, with a balance of {$400.00}. XXXX acquired this account on XX/XX/XXXX. No payments have been received on this account since it was acquired by XXXX. The current account balance is {$1100.00}. 

This account is outdated and is reporting outdated information and according to Section 605 ( a ) of the federal Fair Credit Reporting Act limits the reporting of " any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' ( 15 U.S.C. 1681c. ) THIS MUST BE DELETED IMMEDIATELY

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS AN OUTDATED ACCOUNT. I RECEIVED INFORMATION FROM THE CREDITOR ABOUT THIS ACCOUNT AND I QUOTE Account number XXXX, reference number XXXX, originated with XXXX XXXX XXXX  on XX/XX/XXXX, and was opened with XXXX XXXX XXXX XXXX. This account charged off on XX/XX/XXXX, with a balance of {$400.00}. XXXX acquired this account on XX/XX/XXXX. No payments have been received on this account since it was acquired by XXXX. The current account balance is {$1100.00}. 

This account is outdated and is reporting outdated information and according to Section 605 ( a ) of the federal Fair Credit Reporting Act limits the reporting of " any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' ( 15 U.S.C. 1681c. ) THIS MUST BE DELETED IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported under my name. I have never opened, authorized, or had any involvement with this account, and its presence is causing significant harm to my credit standing and financial reputation.

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 2025-08-14 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: GA

Complaint narrative:
New evidence and dispute against XXXX XXXX XXXX XXXX {$1100.00} Reported XX/XX/year> on Equifax. 

Nature of Dispute I am disputing the XXXX XXXX XXXX collection account reported on XX/XX/year> in the amount of {$1100.00}. This entry is inaccurate, unverifiable, and violates federal law and industry reporting standards. 

1. No Assignment of Contract XXXX XXXX XXXX has provided no evidence of any legal assignment of contract from an original creditor granting them the right to collect or report this alleged debt. Without proof of assignment, they have no standing to furnish information to Equifax under FCRA 1681e ( b ) and 1681b ( a ) ( 2 ).

2. No Proof of Debt XXXX has failed to produce any signed credit agreement, billing statements, or account history proving my liability. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted.

3. XXXX XXXX XXXX is Not My Creditor XXXX is a third-party debt collector, not the original creditor, and has reported no original creditor name in the tradeline. This omission violates : FCRA 1681e ( b ) maximum possible accuracy requirement FDCPA 809 ( a ) ( 15 U.S.C. 1692g ) requirement to identify the original creditor within 5 days of initial communication 4. Metro 2 Compliance Failures Per the Credit Reporting Resource Guide : The Name of Original Creditor field is mandatory for collection accounts this tradeline leaves it blank.

The account type, portfolio type, and balance history fields are incomplete.

The fact that the reported balance equals the highest balance with no payment history is inconsistent with proper Metro 2 data standards and is materially misleading.

5. False and Misleading Balance Reporting Reporting a balance without naming an original creditor is materially misleading, violating FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ).

Required Action Under FCRA 1681i ( a ) and 1681c-2, I demand that Equifax : Delete this XXXX XXXX XXXX account from my credit file immediately, as it is unverifiable, lacks proof of assignment, and lists no original creditor. 

Provide copies of all documentation XXXX supplied to verify this debt, including proof of assignment and the alleged original signed contract.

Confirm in writing that this account will not be reinserted unless full compliance with FCRA 1681i ( a ) ( 5 ) ( B ) is met, including written notice within five ( 5 ) business days of any reinsertion.

Notice of Intent If Equifax does not delete this account or can not provide proper verification, I will escalate to the CFPB, FTC, and state attorney general, and pursue all available remedies under FCRA 1681n and 1681o and FDCPA 813 ( 15 U.S.C. 1692k ) for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: OK

Complaint narrative:
Dear XXXX XXXX I am writing in response to your email XXXX regarding the alleged debt referenced above. This is a request for validation of the debt, as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide me with the following : The amount of the alleged debt and a detailed accounting of how it was calculated.

The name and address of the original creditor.

A copy of the original signed agreement or other documents showing I am legally obligated to pay.

Proof that you are licensed to collect debts in my state.

Documentation showing that you have been assigned or purchased the debt and have the legal right to collect it.

If you can not provide this documentation, you must cease all collection activities and not report this debt to any credit reporting agency. If you have already reported it, you must notify them to remove the entry immediately.

Please note that all communication regarding this matter must be in writing and sent to the address above. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: OH

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One accessed my XXXX  credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Why did Capital One access my credit information? Explain why Capital One requested my credit information and state how my information was used after Capital One obtained it. Identify and provide a copy of any documents that were related to the credit inquiry. 
Also : XXXX accessed my XXXX  credit report on XX/XX/XXXX. Why did XXXX access my credit information? Explain why XXXX requested my credit information and state how my information was used after XXXX obtained it. Identify and provide a copy of any documents that were related to the credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is an inquiry on my credit report from a company I do not recognize. I did not authorize, consent to, or apply for credit with this company, and I have no relationship with them. This unauthorized inquiry is causing me stress and XXXX, and I am concerned about how and why it occurred.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXMY NAME IS LISTED IN THE DATA BREACH FOR XXXX, TRANSUNION AND EQUIFAX. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. \XXXXACCORDING TO THE FCRA LAW 15 US CODE 605B/ 15 US CODE 1666B. XXXXIT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION.XXXXPLEASE DELETE:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCREDIT INQUIRESXXXXPLEASE DELETE- I DON'T HAVE ANY ACCOUNTS FOR THESEXXXX XXXX XXXX XXXX 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 2025-08-14 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: TX

Complaint narrative:
XXXXMY NAME IS LISTED IN THE DATA BREACH FOR XXXX, TRANSUNION AND EQUIFAX. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. \XXXXACCORDING TO THE FCRA LAW 15 US CODE 605B/ 15 US CODE 1666B. XXXXIT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION.XXXXPLEASE DELETE:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCREDIT INQUIRESXXXXPLEASE DELETE- I DON'T HAVE ANY ACCOUNTS FOR THESEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
I AM WRITING TO REQUEST THE DELETION OF THE FOLLOWING INFORMATION FROM MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGES. I REQUEST THAT THE ITEMS BE REMOVED FROM MY XXXX  REPORT TO CORRECT AN ERROR. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION, AND I HAVE ALSO ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation