vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: PA

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 : DPT ED/XXXXXXXX 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft, and as a result, fraudulent accounts were opened in my name without my knowledge or consent. These unauthorized accounts are now negatively affecting my credit report, despite my efforts to dispute them. 

The following companies are currently reporting inaccurate and fraudulent information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have submitted formal disputes to each of these companies and notified them that the accounts in question were opened as a result of identity theft. Despite these communications, the negative entries remain on my credit report. 

I did not authorize or initiate any accounts, transactions, or credit activity with these companies. I am actively working to resolve this issue and have taken appropriate steps, including filing identity theft reports.

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 2025-10-02 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: FL

Complaint narrative:
Im extremely frustrated to see that the inaccurate late payments are still showing on my credit report this morning. Ive refreshed my browser and checked multiple times, yet nothing has changed. I urgently need you to thoroughly review the documents I submitted so this issue can finally be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights.

I demand immediate deletion of the following fraudulent accounts XXXX XXXX XXXX XXXX XXXX  Please send me documentation proving that I was ever late. If you can not provide proof, you must remove these late remarks. 

XXXXXXXX XXXX XXXX XXXX  Please send me documentation proving that I was ever late. If you can not provide proof, you must remove these late remarks. 

XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1692g ( b ), when an account is disputed, collections must cease. This collector continues to call even though the designated time period has not yet expired. Remove this account immediately. 

XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692g ( b ), when an account is disputed, collections must cease. This collector continues to call even though the designated time period has not yet expired. Remove this account immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S.C. 1692g ( b ), when an account is disputed, collections must cease. This collector continues to call even though the designated time period has not yet expired. Remove this account immediately. 

XXXXXXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692g ( b ), when an account is disputed, collections must cease. This collector continues to call even though the designated time period has not yet expired. Remove this account immediately. 

XXXXXXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692g ( b ), when an account is disputed, collections must cease. This collector continues to call even though the designated time period has not yet expired. Remove this account immediately. 

XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692g ( b ), when an account is disputed, collections must cease. This collector continues to call even though the designated time period has not yet expired. Remove this account immediately. 

XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1692g ( b ), when an account is disputed, collections must cease. This collector continues to call even though the designated time period has not yet expired. Remove this account immediately. 

XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1692g ( b ), when an account is disputed, collections must cease. This collector continues to call even though the designated time period has not yet expired. Remove this account immediately. 

XXXX XXXX XXXX XXXX Under 15 U.S.C. 1692g ( b ), when an account is disputed, collections must cease. This collector continues to call even though the designated time period has not yet expired. Remove this account 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 2025-10-02 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: VA

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 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
Mortage loan has mdification and not reflected on credit profile. Incorrect status shows as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

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 non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I was looking into buying a house, and realize that I had damages on my credit report according to the 15, USC 1681 there should not be any damages on my report is the defamation to my character I am disputing fraudulent, inaccurate, and unverifiable information on my credit reports with TransUnion, Experian, and Equifax. The following accounts are not mine and/or are reported inaccurately : XXXX derogatory tradeline ( TransUnion ) XXXX / XXXX Acct # XXXX * * * * ( TransUnion ) XXXX XXXX XXXX XXXX XXXX ( Equifax ) Charge-off account ( s ) Equifax Other derogatory and closed accounts Multiple unauthorized hard inquiries I have provided proof of my identity, SSN ( last 4 digits ), and current address, along with detailed dispute letters sent to each bureau. Under the Fair Credit Reporting Act ( FCRA 604, 609, 611, 623 ), the bureaus must delete or correct unverifiable, inaccurate, and unauthorized information.

TransUnion in particular has a documented history of mishandling consumer data. The CFPB and FTC fined TransUnion millions in 2023 for FCRA violations, and in XX/XX/XXXX, TransUnion suffered a massive data breach exposing the personal data of over 4.4 million consumers. This raises serious concerns about the accuracy, integrity, and security of the data being reported in my credit file.

I request that the CFPB compel all three credit bureaus to : Conduct a proper reinvestigation within 30 days, Delete all unverifiable or fraudulent accounts, Remove unauthorized hard inquiries lacking permissible purpose, and Provide updated credit reports confirming deletions. 
Failure to comply with these obligations constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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 deny any link to these creditors and never gave approval for this inquiry. Kindly remove it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB, as furnisher of the JPMCB Card ( Account # XXXX ), has furnished inaccurate and unverifiable information to the credit bureaus. XXXX  is reporting multiple late payments ( 30180 days ), while XXXX  and XXXX  show no such delinquencies. This inconsistency demonstrates that JPMCB is either failing to accurately report data across all bureaus or has no records to substantiate its claims. Furnishing false or unverifiable derogatories violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting information known or reasonably should be known to be inaccurate, and 623 ( a ) ( 2 ), which requires correction and update of incomplete or inaccurate information. 

Moreover, once notified of a dispute, JPMCB has obligations under 623 ( b ) to investigate, review all relevant information, and report the results to all bureaus. If JPMCB fails to delete unverifiable late payments, it is in willful violation of 616 and negligent violation of 617. Continuing to furnish derogatory data without proof also exposes JPMCB to liability under 623 ( c ) for failure to comply with the FCRAs responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
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 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 2025-10-02 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 am writing to formally dispute an item on my credit report that I believe may have been compromised as a result of the data breach affecting Equifax. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete the item that may have been affected by this breach, as it can not be verified as accurate or legitimately associated with me.

The specific item I am disputing is : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

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 : 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 : {$400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I am filing this complaint against R.S. Clark & Associates for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

R.S. Clark is reporting a collection account on my credit report in the amount of {$130.00}.

I have disputed this account and demanded validation under FDCPA 809 ( 15 U.S.C. 1692g ), but they have failed to provide any proof such as a signed agreement, original creditor contract, or chain of title.

Despite this, they continue to report the account to the credit bureaus, which is continued collection activity without validation and a violation of FDCPA 809 ( b ).

This also violates FCRA 611, as the credit bureaus are verifying without actual documentation.

This is damaging my credit, and the information being reported is unverified and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year>, I made a Balance Transfer of XXXX {$11000.00} from my Credit Card AADvantage ending XXXX to my Checking Account on XXXX XXXX Routing : XXXX XXXX # XXXX! That Balance Transfer ( Credit ) never got to my Checking Account. 
I called on XX/XX/XXXX, them again on XX/XX/XXXX and today XX/XX/XXXX. The amount still have not got to my Checking Account and I am still beeing charged for 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 2025-10-02 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA. 
XXXX XXXX XXXX LVNV Funding LLC Resurgent Capital Services XXXX XXXX XXXXXXXX, SC XXXX Subject : Complaint Regarding Unauthorized Access to Credit Reports LVNV Funding LLC I am writing to formally lodge a complaint regarding your recent access of my credit report without my permission on XXXX 
You purchased the debt on XX/XX/XXXX. 
This action is in violation of the Fai

r Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, which governs the permissible purposes for which a consumer report may be obtained. According to the FCRA, a consumer report may only be accessed by entities that have a legitimate purpose, which includes obtaining the consumers written consent prior to accessing
their credit report. To my knowledge, I did not provide any such consent to your organization, and therefore, your access to my credit report is unauthorized. 

I request that you provide me with the following information : 1. The reason for accessing my credit report.

2. The specific date on which my credit report was accessed.

3. Any documentation or evidence that supports your claim of permissible purpose under the FCRA. 

Please be advised that unauthorized access to my credit report is a serious violation of my rights under the FCRA, and I expect your prompt attention to this matter. I also request that you cease any further attempts to access my credit report without my express consent. 

If I do not receive a satisfactory response to this complaint within 30 days, I will consider taking further action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for any damages incurred as a result of this violation. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
XXXX'I am writing to dispute the inaccurate address information being reported on my credit file. \nPursuant to the Fair Credit Reporting Act (FCRA), I request that all incorrect and outdated addresses , Phone number and employers be removed immediately, as they are not accurate or associated with me.\n\nThe following addresses should be removed from my credit file as they are incorrect or outdated:\nAddressesXXXX 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 XXXXXXXX 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 XXXXEnclosed are copies of my government-issued photo ID and a recent utility bill as proof of my current address.\n\nPlease conduct a reasonable reinvestigation and remove all inaccurate address information from my credit file. \nOnce your reinvestigation is complete, please send me an updated copy of my credit report reflecting these corrections.'

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