vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of multiple fraudulent hard inquiries and a fraudulent address from my credit report. These inquiries and the address are the result of identity theft. I did not authorize these inquiries, nor have I ever lived at or been associated with the address listed below : Fraudulent Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Legal Basis for Immediate Removal : FCRA 602, 607 ( b ), 611 ( a ) You are required to investigate any disputed information, and if you can not verify its accuracy with competent evidence, you must delete it within 30 days. Failure to do so is a violation of federal law.

FCRA 605B ( Identity Theft Blocking ) Because this information resulted from fraud/identity theft, I am entitled to have it blocked from my credit report immediately upon submission of an identity theft report and supporting documentation.

FCRA 623 ( a ) ( 8 ) Furnishers must report only accurate information and are liable for reporting fraudulent data. If you can not provide written proof that I authorized each inquiry, it must be deleted immediately.

U.S.C. 1681s-2 ( b ) Furnishers who fail to correct inaccurate information after receiving notice of a dispute from a consumer reporting agency may be legally liable.

Requested Action : Delete all unauthorized hard inquiries listed above immediately.

Remove and block the fraudulent address listed above.

Provide written confirmation of the results.

If any inquiry is claimed to be authorized, provide a copy of the signed application, IP logs, phone recordings, or other proof that I authorized it.

This is a formal demand for immediate action under federal law. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and legal action seeking statutory damages, actual damages, and attorneys fees under the FCRA.

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 2025-10-13 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MA

Complaint narrative:
In XX/XX/year>, my XXXX XXXX account was inaccurately reported as 30 days late on my credit report. The account has since been closed. I have verified that all payments were made on time, and this late payment never occurred. Reporting false or inaccurate information to credit reporting agencies violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that credit reporting agencies maintain accurate information and conduct a reasonable investigation when a consumer disputes an item. This inaccurate reporting is harming my creditworthiness and may negatively impact 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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XX/XX/2020, my XXXX XXXX account was inaccurately reported as 30 days late on my credit report. The account has since been closed. I have verified that all payments were made on time, and this late payment never occurred. Reporting false or inaccurate information to credit reporting agencies violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that credit reporting agencies maintain accurate information and conduct a reasonable investigation when a consumer disputes an item. This inaccurate reporting is harming my creditworthiness and may negatively impact 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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XX/XX/year>, my XXXX XXXX account was inaccurately reported as 30 days late on my credit report. The account has since been closed. I have verified that all payments were made on time, and this late payment never occurred. Reporting false or inaccurate information to credit reporting agencies violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that credit reporting agencies maintain accurate information and conduct a reasonable investigation when a consumer disputes an item. This inaccurate reporting is harming my creditworthiness and may negatively impact my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information hasbeen used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Second-Round Dispute Immediate and Permanent Deletion of Unverifiable Accounts ( FCRA 1681e ( b ), 1681i, 1681s-2 ( b ) ; CFPA 5531 ) Dear TransUnion, This letter serves as a formal second-round dispute and demand for permanent deletion of inaccurate, incomplete, and unverifiable information currently being reported on my credit file. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) to demand full compliance and enforcement of accurate reporting standards. 
I have previously disputed these accounts, yet they remain listed with material errors, inconsistencies, and no proper validation. This ongoing inaccuracy constitutes a willful violation of federal consumer law.

The following accounts are in direct violation of FCRAs accuracy and verification requirements : XXXX  XXXX Reported as Charge-Off with notation Dispute Resolved Consumer Disagrees, but TransUnion has failed to provide any original validation or supporting documentation from the creditor. 
XXXX XXXX XXXX and conflicting entries, with inconsistent dates and balances. 
XXXX XXXX XXXXXXXX Inconsistent payment history showing both As Agreed and Late 60 Days. 
XXXX XXXXXXXX XXXX XXXX Contradictory reporting showing both Closed and Open, with unverifiable delinquencies. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation of disputed items and delete or correct any information that can not be verified within 30 days. Additionally, FCRA 1681i ( a ) ( 5 ) mandates that unverifiable or incomplete data must be permanently deleted from the consumers file.

Failure to comply within the stat
utory period will be viewed as a willful and negligent violation of both the FCRA and the Consumer Financial Protection Act. If these accounts are not permanently deleted from my credit report, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for enforcement action and damages under FCRA 1681n and 1681o.

I expect written confirmation within 30 days that all unverifiable or inaccurate items have been completely and permanently removed from my TransUnion credit file. 
Sincerely, ______________________________ XXXX XXXX XXXX XXXX XXXX : XXXX DOB : XX/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 2025-10-13 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: OH

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-13 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: OH

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account reported by National Recovery Agency for a debt allegedly owed to XXXX XXXX XXXX XXXX XXXX PA, account number XXXX, with a reported balance of {$1500.00}. 
Despite multiple requests, the collection agency has failed to provide the documentation required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, to validate the debt. Specifically, I requested : - A debt validation letter outlining the nature and origin of the debt. 
- Documents bearing my original signature that demonstrate a legal obligation to pay. 
- An itemized breakdown of charges, including dates of service and services rendered. 
- Proof of assignment or ownership of the debt from the original creditor to the collection agency. 
To date, none of these materials have been provided. The agency continues to report this account and pursue collection activity without fulfilling its legal obligation to verify the debt. I dispute the validity of this debt and believe the agencys actions may be in violation of the FDCPA.

I respectfully request that the CFPB investigate this matter and hold the collection agency accountable for its failure to comply with federal law. They keep spamming my communication devices with texts/ messages about reporting my account but supply no backing documentation. I have sent a Cease and Desist Letter to reduce or eliminate the spamming to no avail. 
I am seeking removal of this account from my credit report unless and until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that are causing significant damage to my financial reputation and creditworthiness. I have thoroughly reviewed my report and found entries that are incorrect, fraudulent, or unverifiable. These inaccuracies must be corrected immediately under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Wrong Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not associated with me. I have never resided at this location. Reporting incorrect addresses constitutes inaccurate personal information under FCRA 609 and 611. I demand removal of this address from my credit report to prevent identity confusion and possible fraudulent activity. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, XXXX : {$18000.00}, Reported as Late Payment XXXX XXXX I have never made late payments on this account. The report of late payment is inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ) because the creditor failed to verify and provide accurate reporting. I request correction of this account to reflect my accurate payment history immediately. 
XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00}, Reported as Collection I have no knowledge of this account. It appears on my report without my authorization or validation. Under FCRA 609 and FDCPA, I am entitled to verification of this debt. I demand this account be removed entirely until proper documentation can be provided. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. Under FCRA 604 ( a ), any credit inquiry without my consent is considered unauthorized and should be removed from my report immediately. 
I request the CFPB to : XXXX. Investigate each disputed item and inquiry thoroughly. 
XXXX. Require the credit bureaus and creditors to provide original documentation validating the accounts. 
XXXX. Correct or delete any unverifiable, fraudulent, or inaccurate entries. 
XXXX. Provide written confirmation of all actions taken on my report. 
These inaccuracies are harming my financial standing and must be resolved immediately. Failure to comply with FCRA and FDCPA regulations may result in further legal action. I expect resolution within the 30-day period mandated by 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 2025-10-13 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: NC

Complaint narrative:
Receivable management corporation kept calling me over and over about my auto insurance debt that I owe to XXXX XXXX. I do not owe anything because the vehicle was totaled and I even called the next day to cancel the policy the day after the accident happened, to my knowledge. The debt collectors kept calling me non-stop even when I told them not to do so.

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 2025-10-13 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: KS

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to comply with the Fair Credit Reporting Act by continuously verifying inaccurate and disputed information on my credit report. Despite multiple disputes, they have not corrected or deleted accounts that clearly violate Metro 2 compliance and my consumer rights. Their actions are willful, negligent, and a direct violation of federal law, and I am requesting immediate investigation and enforcement.

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