vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am filing this complaint due to Experian, Equifax, and TransUnion 's failure to correct and remove inaccurate personal information from my credit profile, despite having received lawful notice. 

I submitted certified mail with return receipt to all three credit reporting agencies demanding removal of all false, obsolete, or unverifiable personal data listed in their records. Specifically, I made clear that the only valid and authorized personal information that should appear on my report is : Name : XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, California XXXX I also informed them that I do not live at any other address, have no current employment, and do not work for XXXX  or any other entity. Any addresses, employers, or variations of my name not explicitly listed above are to be considered unauthorized and unverifiable. 

This request was submitted in accordance with 15 U.S.C. 1681i ( a ) and 1681e ( b ) of the Fair Credit Reporting Act, which require the credit reporting agencies to ensure that all personal information is accurate and can be verified.

Despite having received and signed for my certified dispute notices, the agencies have continued to report incorrect personal data, which poses ongoing risk to my financial security, privacy, and creditworthiness.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) enforce the immediate removal of all inaccurate or unverifiable names, addresses, phone numbers, and employment data from my credit file, and ensure my legal right to an accurate credit report is upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-09 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: OR

Complaint narrative:
TransUnion, Experian and Equifax have failed to correct multiple unlawfully reported acconts on my credit file. I have previously submitted metro 2 and FCRA- complaint dispute letters on 3 different occassions. All 3 bureaus have failed to respond with lawful verification or validation as required under federal law. 3 previous attempts XX/XX/XXXX, as well as XX/XX/XXXX, again in XXXX of XXXX. 
I am excercising my rights under : FCRA } 611 FCRA } 607 ( b ) FCRA } 623 FDCP } 809 The bureaus have failed to furnish : ( no permissible purpose documentation ) ( subscriber reports or internal audit trails ) ( properly aligned metro2 field data ) ( verification of account ownership or full transaction history )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: OR

Complaint narrative:
TransUnion, Experian and Equifax have failed to correct multiple unlawfully reported acconts on my credit file. I have previously submitted metro 2 and FCRA- complaint dispute letters on 3 different occassions. All 3 bureaus have failed to respond with lawful verification or validation as required under federal law. 3 previous attempts XX/XX/XXXX, as well as XX/XX/XXXX, again in XXXX of XXXX. 
I am excercising my rights under : FCRA } 611 FCRA } 607 ( b ) FCRA } 623 FDCP } 809 The bureaus have failed to furnish : ( no permissible purpose documentation ) ( subscriber reports or internal audit trails ) ( properly aligned metro2 field data ) ( verification of account ownership or full transaction history )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: OR

Complaint narrative:
TransUnion, Experian and Equifax have failed to correct multiple unlawfully reported acconts on my credit file. I have previously submitted metro 2 and FCRA- complaint dispute letters on 3 different occassions. All 3 bureaus have failed to respond with lawful verification or validation as required under federal law. 3 previous attempts mayXX/XX/XXXX, as well as XX/XX/XXXX, again in XXXX of XXXX. 
I am excercising my rights under : FCRA } 611 FCRA } 607 ( b ) FCRA } 623 FDCP } 809 The bureaus have failed to furnish : ( no permissible purpose documentation ) ( subscriber reports or internal audit trails ) ( properly aligned metro2 field data ) ( verification of account ownership or full transaction history )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
Oliphant Financial LLC Sent multiple text messages to my cell phone. 
Called my home phone and left voicemail. 
Caller stated to resolve a debt. 
I have no debt. 
I think they are fishing. By advice, I have not replied to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a call from a collection agency and upon inquiry they couldn't tell me which school or which year they were calling about. I was told multiple collection agencies could be contacting me about the same loan from Department of Education. I contacted all 3 credit bureaus ( Experian, Equifax, Transunion ) by certified mail on XX/XX/year> about the student loan information on my accounts. Since I went to several schools at different years for different military programs I requested specific information on the amounts, which schools, and semesters. I didn't receive any replies within the 30 days. In the letter I explained I went to school for National Guard purposes which were paid by them. And I wanted to make sure there were no multiple accounts for the same loan. I requested the name of the school, the year and semester the loans were accumulated with my signature. I received nothing in response although some loans were closed and after a few months added back. Since the collection agency couldn't give me any details on my loan I believe multiple agencies are reporting on the same loans. The only way for me to know for sure is getting the original paperwork with my signature for each loan I acquired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a call from a collection agency and upon inquiry they couldn't tell me which school or which year they were calling about. I was told multiple collection agencies could be contacting me about the same loan from Department of Education. I contacted all 3 credit bureaus ( Experian, Equifax, Transunion ) by certified mail on XX/XX/year> about the student loan information on my accounts. Since I went to several schools at different years for different military programs I requested specific information on the amounts, which schools, and semesters. I didn't receive any replies within the 30 days. In the letter I explained I went to school for National Guard purposes which were paid by them. And I wanted to make sure there were no multiple accounts for the same loan. I requested the name of the school, the year and semester the loans were accumulated with my signature. I received nothing in response although some loans were closed and after a few months added back. Since the collection agency couldn't give me any details on my loan I believe multiple agencies are reporting on the same loans. The only way for me to know for sure is getting the original paperwork with my signature for each loan I acquired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding an unauthorized balance transfer processed by Discover Bank that was posted to my XXXX XXXX account without my consent. 

On XX/XX/year>, I initiated a balance transfer request with Discover in the amount of {$2300.00} to my XXXX XXXX, which was subsequently voided by Discover due to internal fraud/security review concerns, as confirmed in their XX/XX/year>, denial communication. 

I was later informed by a Discover representative on XX/XX/year>, that I would need to reapply. 

On XX/XX/year>, I called Discover to confirm a newly requested transfer for {$2600.00}. However, the call was inconclusive due to a long hold and lack of supervisor availability, and I ended the call before the transaction was finalized. 

I made a follow-up call on XX/XX/year>, for the same amount and confirmed. 

Discover instead posted a different transfer to my XXXX XXXX in the amount of {$2500.00} on XX/XX/year>. 

This {$2500.00} transaction was never requested or authorized by me. I became aware of it only after receiving the balance transfer confirmation email. I immediately contacted Discover on XX/XX/year>, to report the error and was instructed to have XXXX refund the funds. I then contacted XXXX XXXX on XX/XX/year>, and initiated a dispute under case number XXXX. However, XXXX later informed me via email that the funds could not be refunded as they were considered valid payments. 

Despite my efforts to have this transaction reversed through both Discover and XXXX, I have been left financially responsible for a transfer I did not authorize. I am requesting that the Consumer Financial Protection Bureau review this matter and assist in facilitating a resolution, including removal of the {$2500.00} charge from my XXXX XXXX  and accountability from Discover for posting an unauthorized transfer. 

Please find attached all relevant documentation supporting this claim, including balance transfer confirmations, XXXX XXXX statements, Discover correspondence, and my communication log. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : 1. XXXX XXXX XXXX XXXX XXXX XXXX  PAID NEVER LATE - DELETE FROM REPORT 2XXXX XXXX XXXX XXXX XXXXXXXX - PAID NEVER LATE - DELETE FROM REPORT XXXX. XXXX XXXX - XXXX - PAID NEVER LATE - DELETE FROM REPORT XXXX. XXXX XXXX XXXX XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
I asked for debt validation on XX/XX/year> On XX/XX/year> they sent a letter to my mothers residence in another state from me that Ive never lived saying i owe this debt. This is also a debt from 7 years ago they are trying to claim i owe.

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