vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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:
Equifax is reporting a late payment on my XXXX account ( ending in XXXX ), despite the fact that the account currently reports a past due amount of {$0.00}. This type of reporting is deceptive and unjustified, as there is no active delinquency or balance to support such a derogatory remark. I have received no notice or supporting documentation from XXXX or Equifax verifying a late payment, nor have I been given the opportunity to validate or dispute this information before it was added to my credit file. This entry appears to be the result of unverified or improperly handled data, possibly stemming from systemic errors or a larger breach in data security and accuracy protocols. 

This kind of unverified reporting raises serious questions about Equifaxs compliance with its legal responsibilities under the Fair Credit Reporting Act. In light of recent findings by the CFPB that Equifax has failed to perform proper investigations in consumer disputes, I am even more concerned. According to 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax must conduct a reasonable reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681 ( a ) ( 5 ), any information that can not be verified must be corrected or deleted from the consumer file. Failing to correct or remove inaccurate, zero-balance late payment marks violates these provisions and severely harms consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
Subject : Request for Removal of Adverse Information Under FCRA 605C ( XXXX XXXX ) To Whom It May Concern, I am writing to formally request the removal of adverse information on my credit report that resulted from my experience as a victim of XXXX XXXX, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

This section, established under the Debt XXXX  Repair Act, requires consumer reporting agencies to block and remove any information furnished by a XXXX  or that resulted from XXXX  activity once a valid request has been submitted. 

I am requesting the deletion of the following item ( s ) from my credit report : Attached you will find my disputed accounts. 


XXXX  Documentation A determination from a federal, state, or tribal governmental entity or court indicating that I am a victim of XXXX. 
Documentation from a non-governmental organization or XXXX  XXXX  XXXX XXXX authorized to make such a determination. 
A Statement of the Specific Adverse Information Attached is my signed statement identifying the specific accounts and tradelines that resulted from XXXX-related activity and should be removed. 
Please treat this request with the urgency and confidentiality it demands. Under federal law, you are obligated to block and delete the identified items and provide confirmation of this action. 

I request a written response within 4 days confirming the deletion of the information in question. Should you need any additional information to complete this process, please notify me promptly in writing. 

Thank you for your attention to this urgent matter. 

Sincerely,

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 2025-05-23 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: MS

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Needed to unlock my credit report so I could get power turned on ( requires credit check ) but there is no way to access their services- never receive text or call to verify identity. Customer service line doesnt lead to solution and there is no one to reach to resolve.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent Equifax this letter again on XXXX  they never reponded. They are just stalling.The other two bureaus recieved the sane letter and has responded and deleted the information off of my credit report. 

Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX RE : Warning to Remove Incorrect Items from my Credit Report XXXX I have previously disputed US Bankruptcy, Reference # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: VA

Complaint narrative:
National Recovery Agency account number : XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A collections on my Experian credit report is false and not a valid debt. I have attempted to contact both the collections agency XXXX XXXX XXXX and Experian dispute center to remove from my report but it is still on it

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 2025-05-23 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: NC

Complaint narrative:
am filing this complaint because a XXXX credit card account ( ending in XXXX ) appears on my credit report, but I have written documentation from XXXX stating that the account was closed because they were unable to verify my personal information. In a notice dated XX/XX/scrub>XXXX XXXX XXXX XXXX wrote : We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor. This confirms that XXXX could not verify the account as mine. Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item of information that can not be verified must be deleted from a consumers credit file. I disputed the account with Equifax and included this letter from XXXX, but Eqifax refused to delete it, stating that they must report what XXXX provideseven though the data furnisher admitted they can not verify the account. This is a direct violation of federal law. I am requesting that the CFPB compel Equifax to delete this unverifiable account from my credit report and ensure that XXXX updates their reporting accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. This company has not validate any debt. I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide my with the original contract as I requested.

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 2025-05-23 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: GA

Complaint narrative:
i recently noticed fraudulent activity on 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 2025-05-23 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: GA

Complaint narrative:
i recently noticed fraudulent activity on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I paid off my car about 1 month ago. Since then, I have received lien release and bill of sales to prove that I have paid off the car. XXXX XXXX sent a letter stating that the XXXX XXXX requires a letter from the XXXX stating that I never got a XXXX XXXX. XXXX XXXX confirmed that I dont have a title, but refused to provide a letter and stated that XXXX  XXXX can search on national database. I called XXXX  XXXX, and they said XXXX simply needs to release my lien by paper instead of electronically. I now have no idea what is the true issue. XXXX XXXX has not been able to help me after 5 calls to them and escalation to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MS

Complaint narrative:
XXXX XXXX access my account without my consent is this is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MS

Complaint narrative:
XXXX XXXX access my account without my consent is this is against the law

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 2025-05-23 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: CA

Complaint narrative:
My TransUnion credit report shows two recent hard inquiries from XXXX dated XX/XX/XXXX and XXXX dated XX/XX/XXXX. I dispute the legitimacy of these inquiries because I did not authorize or initiate any credit requests from these entities on the stated dates. Unauthorized or inaccurate inquiries can negatively impact my credit score and create confusion regarding my creditworthiness. The presence of these inquiries without my consent suggests either an error in reporting or a potential data breach, which must be thoroughly investigated. 

As required by the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), inquiries must only be reported when the consumer has authorized the credit pull. TransUnion has a legal obligation under 15 U.S.C. 1681i to conduct a reasonable reinvestigation of any disputed information to ensure accuracy and completeness. Failure to remove or correct unauthorized inquiries harms my financial standing and violates my consumer rights under federal law.

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 2025-05-23 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: IL

Complaint narrative:
I am represented by XXXX XXXX XXXX, XXXX. regarding a fraudulent XXXXXXXX XXXX account inaccurately reported on my TransUnion credit report. Despite removal from XXXX XXXX XXXX XXXX XXXX agreement to delete the account, TransUnion continues to report and update it unlawfully. I have submitted an identity theft report, which under 15 U.S.C. 1681c-2 requires blocking all fraudulent information. TransUnions failure to remove or properly reinvestigate the account violates multiple FCRA provisions, including 1681i, 1681e ( b ), 1681c-2 ( a ), 1681b, and 1681n/o.

I issued a final legal demand giving them 24 hours to comply before imminent litigation. XXXX and TransUnion are defendants in 2025 class action lawsuits over similar FCRA violations. This ongoing reporting causes significant harm and violates my rights. I request CFPBs intervention to enforce deletion and 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 2025-05-23 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: Kikoff Inc.
State: NJ

Complaint narrative:
There and inaccuracies across multiple credit reporting agencies. I am filing this complaint to dispute fraudulent accounts, unauthorized inquiries, and reporting discrepancies under my name, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX : Account ending in XXXX. It appears as a charged-off account with a balance of {$7400.00} on both TransUnion and XXXX, While successfully deleted from just XXXX XXXXXXXX XXXX : Account ending in XXXX closed with a balance of {$720.00}, marked as charged off. This appears on both reports with derogatory remarks. 

Kikoff : Account XXXX Open with a balance of {$280.00} Reporting Discrepancies Between Bureaus : XXXX XXXX and XXXX XXXX accounts show inconsistent last activity dates, status descriptions, and payment histories between XXXX XXXX XXXX 
Some accounts are listed on XXXX but are missing from XXXX or XXXX  entirely. 
Kikoff Lending accounts are reported with different balances, dates, and payment history across bureaus. 

Unauthorized Credit Inquiries ( from XX/XX/XXXX to XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated by me and were likely done in attempts to obtain fraudulent credit. 

Unrecognized Addresses and Employers : Several addresses and employers appear on my reports that are not associated with me, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation of My Consumer Rights : Under the FCRA ( 15 U.S.C. 1681 et seq. ) I have submitted an official FTC Identity Theft Report ( Report # : XXXX ). I am requesting that the CFPB ensure the following : THESE ACCOUNTS HAVE BEEN DAMAGING TO ME. I NEED ALL ITEMS REMOVED IMMEDIATELY. THESE ERRORS ARE ILLEGAL AND UNETHICAL. WHILE ALL COMPANIES FAILED TO CORRECTLY INVESTIGATE. ASIDE FROM EQUIFAX BEING THE ONLY ONE WHOM CORRECTLY REMOVED XXXX XXXX FROM MY PROFILE. 

Thank you for your attention and assistance. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
There and inaccuracies across multiple credit reporting agencies. I am filing this complaint to dispute fraudulent accounts, unauthorized inquiries, and reporting discrepancies under my name, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX : Account ending in XXXX. It appears as a charged-off account with a balance of {$7400.00} on both XXXX  and Experian, While successfully deleted from just Equifax XXXX XXXX : Account ending in XXXX closed with a balance of {$720.00}, marked as charged off. This appears on both reports with derogatory remarks. 

XXXX : Account XXXX Open with a balance of {$280.00} Reporting Discrepancies Between Bureaus : XXXX XXXX and XXXX XXXX accounts show inconsistent last activity dates, status descriptions, and payment histories between XXXX  and Experian. 
Some accounts are listed on XXXX  but are missing from Experian or Equifax entirely. 
XXXX XXXX accounts are reported with different balances, dates, and payment history across bureaus. 

Unauthorized Credit Inquiries ( from XX/XX/XXXX to XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not initiated by me and were likely done in attempts to obtain fraudulent credit.

Unrecognized Addresses and Employers : Several addresses and employers appear on my reports that are not associated with me, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Violation of My Consumer Rights : Under the FCRA ( 15 U.S.C. 1681 et seq. ) I have submitted an official FTC Identity Theft Report ( Report # : XXXX ). I am requesting that the CFPB ensure the following : THESE ACCOUNTS HAVE BEEN DAMAGING TO ME. I NEED ALL ITEMS REMOVED IMMEDIATELY. THESE ERRORS ARE ILLEGAL AND UNETHICAL. WHILE ALL COMPANIES FAILED TO CORRECTLY INVESTIGATE. ASIDE FROM EQUIFAX BEING THE ONLY ONE WHOM CORRECTLY REMOVED XXXX XXXX  FROM MY PROFILE. 

Thank you for your attention and assistance. 

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 explanation
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation