vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX ACCOUNTS : INQUIRIES : XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is currently reporting inaccurate and outdated personal address information on my credit file that I do not recognize, have never lived at, and did not authorize to be associated with my credit profile. Specifically, my file includes the following addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX, NC XXXX . These addresses are not now, nor have they ever been, connected to my personal residence, financial records, or legal identity. Their inclusion in my credit report is both factually incorrect and deeply problematic. 

I have only one legal and current address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, and I have never authorized Experianor any data furnisherto associate my identity with any of the above locations. The presence of these unrelated addresses raises serious concerns regarding the accuracy of Experians internal data handling and potential exposure to cross-file contamination or data mismatching. At worst, this kind of error can expose consumers to identity fraud or the wrongful association with negative financial data that is not theirs. 

The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies like Experian must follow reasonable procedures to assure maximum possible accuracy of the information they report. Including unrelated or unverified addressesespecially across different statesis a clear failure to uphold that standard. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when a consumer disputes the accuracy of any item in their file, the credit bureau is required to perform a timely, reasonable reinvestigation and remove or correct any item that can not be verified as accurate.

I have never lived in XXXX, NC, nor at the listed XXXX address. Their inclusion on my report is not a minor clerical issueit directly undermines the accuracy and integrity of my credit file and exposes me to reputational and financial harm.

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 2025-06-12 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: IL

Complaint narrative:
Requested Actions : I respectfully request that you take the following actions : Block and suppress all fraudulent credit inquiries from my credit report Notify all parties who made these unauthorized inquiries that they have been blocked from my credit report.

3. Provide me with a written statement confirming that these inquiries have been removed and that my credit report has been corrected.

Please send all correspondence regarding this matter to the address listed above. I expect your response within the timeframes specified by the FCRA.

Thank you for your prompt attention to this serious matter Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666, I am entitled to dispute any information on my credit report resulting from identity theft. Upon receipt of my Identity Theft Report, you are required to block any fraudulent information from my credit report within four business days. Additionally, under 15 U.S.C. 1681i, you must conduct a reasonable investigation of my dispute and correct any inaccuracies within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I noticed that I there are fraudulent accounts on my report. Please remove these accounts from my credit report, as they are hindering my ability to obtain credit.

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 2025-06-12 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: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-06-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-12 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the following collection accounts listed on my credit report : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) On XX/XX/2025, I contacted each of these collection agencies via mail to request validation of the debts in accordance with the Fair Debt Collection Practices Act. To date, I have not received any response or documentationsuch as signed contracts or other evidencethat verifies the validity of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the following collection accounts listed on my credit report : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) On XX/XX/2025, I contacted each of these collection agencies via mail to request validation of the debts in accordance with the Fair Debt Collection Practices Act. To date, I have not received any response or documentationsuch as signed contracts or other evidencethat verifies the validity of these accounts.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX CA XXXX ACCOUNTS : BANKRUPTCY - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>2017, Balance : {$0.00}

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 2025-06-12 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this complaint regarding my auto loan with XXXX XXXXXXXX XXXX  ( Account number : XXXX ), opened on XX/XX/XXXX, and paid in full as of XX/XX/XXXX. The account is now closed and the status was updated in XX/XX/XXXX. 

Despite my active-duty military service from XXXX and XXXX, and my formal SCRA request submitted on XX/XX/XXXX, XXXX XXXX XXXX failed to apply the SCRA-mandated 6 % interest rate cap and did not reimburse excess interest charged during my eligible periods. Additionally, late payments were reported on my credit profile for XX/XX/XXXX and XX/XX/XXXX, even though I was entitled to SCRA protections that prohibit such penalties and negative reporting during and after XXXX XXXX. 

Key details : Account type : Auto Loan ( joint responsibility ) Original balance : {$20000.00} Opened : XX/XX/XXXX Paid in full : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) SCRA request submitted : XX/XX/XXXX XXXX XXXX : XXXX, XXXX Late payments reported : XX/XX/XXXX, XX/XX/XXXX I have contacted XXXX XXXXXXXX XXXX multiple times, provided my military orders, and requested corrections, but the issues remain unresolved. I am requesting retroactive application of the 6 % interest rate, reimbursement of excess interest, removal of all late fees, and correction of my credit report to comply with SCRA protections.

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 2025-06-12 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: MA

Complaint narrative:
I am submitting this complaint regarding my auto loan with XXXX XXXX XXXX ( Account number : XXXX ), opened on XX/XX/XXXX, and paid in full as of XX/XX/XXXX. The account is now closed and the status was updated in XX/XX/XXXX. 

Despite my active-duty military service from XXXX and XXXX, and my formal SCRA request submitted on XX/XX/XXXX, XXXX XXXX XXXX failed to apply the SCRA-mandated 6 % interest rate cap and did not reimburse excess interest charged during my eligible periods. Additionally, late payments were reported on my credit profile for XX/XX/XXXX and XX/XX/XXXX, even though I was entitled to SCRA protections that prohibit such penalties and negative reporting during and after XXXX XXXX. 

Key details : Account type : Auto Loan ( joint responsibility ) Original balance : {$20000.00} Opened : XX/XX/XXXX Paid in full : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) SCRA request submitted : XX/XX/XXXX XXXX XXXX : XXXX, XXXX Late payments reported : XX/XX/XXXX, XX/XX/XXXX I have contacted XXXX XXXXXXXX XXXX multiple times, provided my military orders, and requested corrections, but the issues remain unresolved. I am requesting retroactive application of the 6 % interest rate, reimbursement of excess interest, removal of all late fees, and correction of my credit report to comply with SCRA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MA

Complaint narrative:
I am submitting this complaint regarding my auto loan with XXXX XXXXXXXX XXXX ( Account number : XXXX ), opened on XX/XX/XXXX, and paid in full as of XX/XX/XXXX. The account is now closed and the status was updated in XX/XX/XXXX. 

Despite my active-duty military service from XXXX and XXXX, and my formal SCRA request submitted on XX/XX/XXXX, XXXX XXXX XXXX failed to apply the SCRA-mandated 6 % interest rate cap and did not reimburse excess interest charged during my eligible periods. Additionally, late payments were reported on my credit profile for XX/XX/XXXX and XX/XX/XXXX, even though I was entitled to SCRA protections that prohibit such penalties and negative reporting during and after XXXX XXXX. 

Key details : Account type : Auto Loan ( joint responsibility ) Original balance : {$20000.00} Opened : XX/XX/XXXX Paid in full : XX/XX/XXXX Status : Paid, Closed ( as of XX/XX/XXXX ) SCRA request submitted : XX/XX/XXXX XXXX XXXX : XXXX, XXXX Late payments reported : XX/XX/XXXX, XX/XX/XXXX I have contacted XXXX XXXXXXXX XXXX multiple times, provided my military orders, and requested corrections, but the issues remain unresolved. I am requesting retroactive application of the 6 % interest rate, reimbursement of excess interest, removal of all late fees, and correction of my credit report to comply with SCRA protections.

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 2025-06-12 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 is filed pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that the Equifax credit reporting agency block the following fraudulent collection accounts from my consumer credit file within four business days : XXXX XXXX opened on XX/XX/year> balance {$1200.00} XXXX XXXX opened on XX/XX/year> balance {$1000.00} These accounts were not authorized by me and are the result of identity theft. I did not apply for, initiate, or benefit from the above accounts. I have attached a copy of my consumer credit report showing the fraudulent entries, along with a valid FTC Identity Theft Report # ( private case number ) to support my identity theft claim.

Company response to consumer: Closed with explanation