vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO 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 non-monetary relief
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following items on my Experian credit report. Below is a summary of the charged-off accounts, inquiries, and late payments in question : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-23 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: MO

Complaint narrative:
The hard inquiries listed on my consumer credit report are unauthorized by me. I did not provide my consent, authorization, or application for credit that would permit these inquiries to be made. Although the creditors may claim a permissible purpose, I did not initiate or approve any transaction that would lawfully allow access to my consumer report.

I have previously disputed these inquiries ; however, they continue to be reported. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only for purposes authorized by law. In the absence of my authorization or a valid, verifiable permissible purpose initiated by me, the continued reporting of these inquiries is inaccurate 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 2025-12-23 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: EQUIFAX, INC.
State: TX

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 2025-12-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
am submitting comments regarding multiple accounts on my credit report that I dispute or believe are inaccurately reported. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account Type : Installment, Closed Balance : {$0.00} Reported Issue : 60 days past due Action Taken : This account was paid in full. I dispute the delinquency reporting as inaccurate and request that the account be removed unless verified. 
XXXX. XXXX XXXX Account Type : Revolving, Closed Balance : {$510.00} Reported Issue : Charge-off / Bad debt, reported XX/XX/XXXX Action Taken : I am disputing this account because it can not be verified as accurate. I request removal unless full verification is provided. 
XXXX. XXXX XXXX XXXX XXXX. 
Account Type : Installment, Closed Balance : {$0.00} Reported Issue : 30 days past due, XX/XX/XXXX Action Taken : This account was paid in full. I dispute the late payment reporting and request permanent removal unless verified. 
XXXX. Company Name XXXX  Account Type : Installment, Closed Balance : {$0.00} Reported Issue : Charge-off / Bad debt, XX/XX/XXXX Action Taken : No creditor information is provided. I dispute this account as unverifiable and request removal. 
XXXX. XXXX Loan Servicing Account Type : Installment, Closed Balance : {$0.00} Reported Issue : Paid as agreed, XX/XX/XXXX Action Taken : This account is closed and fully paid. I request removal as reporting is no longer necessary. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Collection Balance : {$910.00} Reported Issue : Assigned to collection XX/XX/XXXX Action Taken : I dispute this account as inaccurate. I request verification and removal if unverifiable. 
XXXX. LVNV Funding LLC ( XXXX XXXXXXXX XXXX ) Account Type : Collection Balance : {$470.00} Reported Issue : Assigned to collection XX/XX/XXXX Action Taken : I dispute this account as inaccurate. Request verification and removal if unverifiable. 
XXXX. LVNV Funding LLC ( XXXX XXXXXXXX XXXX XXXXXXXX. ) Account Type : Collection Balance : {$680.00} Reported Issue : Assigned to collection XX/XX/XXXX Action Taken : I dispute this account as inaccurate. Request verification and removal if unverifiable. 
Summary of Actions Requested : For all accounts listed above, I request that the credit reporting agency : Investigate each account ; Remove any account that can not be fully verified ; Correct any inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to 15 USC 1681 c2 and 1681s-2 you have broken the law by reporting this information on my credit report knowing it's inaccurate. Remove This Fraudulent Information from my report immediately. 

XXXX XXXX XX/XX/XXXX To : Experian, XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Request to Block and Remove Fraudulent Accounts under 15 U.S.C. 1681c-2 Dear, Experian I am writing to dispute and request the immediate blocking of certain accounts that appear on my credit report, which I believe to be the result of identity theft, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). & Under Section 605b These Accounts Do not belong to me. remove these accounts permanently. 

The following accounts are inaccurate and unauthorized : XXXXXXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX. THE XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX Per 15 U.S.C. 1681c-2 ( a ), I request that you block the reporting of these accounts and remove them from my credit file within the required time frame. These accounts were opened without my knowledge or authorization, and their presence on my credit report is causing me harm. 

Enclosed, please find copies of the following documents as required under the FCRA : Proof of my identity ( Government-issued ID, utility bill, etc. ) A copy of my credit report highlighting the fraudulent accounts An Identity Theft Report ( police report or FTC Identity Theft Affidavit ) I expect written confirmation that these accounts have been blocked and removed from my file. Please also send me an updated copy of my credit report reflecting the removal. 

Thank you for your prompt attention to this matter. 

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 2025-12-23 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: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-23 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: 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 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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-23 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: PA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-23 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX This is another case number. As I stated before, Discover is telling the CFPB and OCC that they are sending documents and lying at the same time. They are fully aware my identity theft was in XXXX and XXXX till we had Civil court and won against the XXXX, and then chaos hit where I now how two socials on my reports, had to close everything because they walked into my financial institutions and became ME, and Discover wants to play games. What is XXXX, XXXX, and XXXX statements going to do for me and why do they keep sending them. That is MY card Not the card in question that they so conveniently put under my social. Attachments are below. This company is unprofessional and completely fraudulent against their own customers, and No one wants to make them fix a thing. Instead I get threats or a letter saying they are glad I'm their customer. I AM NOT there customer. Find the other XXXX XXXX who you let use my name and address and change my social from XXXX to XXXX but you just changed it right back. Why not stand behind your faults and be a reputable company life XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-23 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: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing multiple credit inquiries that were made without my authorization. I authorized only one credit pull, yet several duplicate inquiries appear on my credit report. 

The following inquiries are duplicates and/or unauthorized and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are inaccurate and violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please investigate and delete all unauthorized and duplicate inquiries and provide written confirmation of the 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
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
on XX/XX/XXXX I noticed that my student loan payments were considered late. I was scammed into thinking that they were forgiven. I contacted XXXX and got them all brought current on XX/XX/XXXX. XXXX reported me late even though I was not and said that they would retract what was sent to the credit agencies. on XX/XX/2025 I filed dispute with Transunion that my accounts were actually paid current and I was not late. They did not fix. When XXXX reported again the Beginning of XXXX they still were not correct. I filed another dispute with Transunion and provided documentation that my accounts were current, XXXX had made a mistake. Nothing was corrected. I then filed another complaint on XX/XX/2025 that XXXX was not correct. Now they are showing late again. I am not late. I also filed a complaint regarding XXXX which is paid off and not late as it is paid off. This has caused all sorts of issues with my credit. I am not disputing that I should have noticed the XXXX loans were not showing done. But Transunion is not addressing the issue and causing my credit to be awful. Thus I have already been cancelled with one account and have had others lower my limits. I did reach out to XXXX to ask them to please try to clarify my accounts again with Transunion but they take their sweet time as well.

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