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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrectXXXX XXXX XXXX XXXX  of XXXX to the FCRA, you are required to investigate my dispute within XXXX  days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for XXXX Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit XXXX. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX  (XXXX) business days, and a final resolution within the legally mandated XXXX. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report XXXX to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals XXXX Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional XXXX you for your prompt attention to this matter. Please send any responses or updates to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: AR

Complaint narrative:
I am filing this complaint because XXXX took adverse employment action against me based on incomplete and inaccurate consumer reporting information, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX denied my employment citing issues with multiple XXXX  XXXX. However, XXXX of the XXXX  tests relied upon in their decision was still processing and not finalized at the time the adverse action was taken. 

I completed a XXXXXXXX XXXX XXXX  on XX/XX/year>, at XXXX, per XXXX authorization. This test was not conducted through XXXX and was not reflected in the report XXXX relied upon to deny employment. 

I contacted First Advantage directly and was informed that the XX/XX/year> XXXX XXXX XXXX  was still in progress and had not been finalized. First Advantage advised me that XXXX is the XXXX responsible for providing the complete results and confirming employment decisions. 

Despite this, XXXX proceeded with an adverse hiring decision before all results were completed, and I was denied the opportunity to dispute or review the full and accurate report relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-12-23 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 explanation
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
This is my second CFPB complaint regarding Experian Information Solutions , Inc.s failure to comply with the Fair Credit Reporting Act after receiving a valid Identity Theft Report. 

On XX/XX/2025, I submitted a CFPB complaint requesting the immediate blocking and permanent removal of multiple fraudulent accounts pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). My submission included all documentation required by law, including FTC Identity Theft Reports, government-issued identification, proof of address, and supporting breach evidence.

Despite receipt of this information, Experian did not block the identity-theft accounts within four ( 4 ) business days, as required by statute. Instead, Experian issued a generic interim response stating that it was reviewing the matter and redirected me to standard dispute channels.

FCRA 605B does not permit delay, reinvestigation, or redirection to dispute processes once a valid Identity Theft Report is received. Experian also failed to identify any statutory basis under 605B ( c ) to refuse blocking, such as error, misrepresentation, or consumer authorization.

As of today, the fraudulent accounts remain on my Experian credit file, and Experian has provided no written confirmation of compliance with 605B. 

This conduct constitutes : Failure to comply with mandatory identity-theft blocking requirements Failure to maintain reasonable procedures under FCRA 607 ( b ) Continued consumer harm after verified notice of identity theft

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I emphatically deny giving permission for this inquiry, and I have no record of contacting the lender on the date listed. This makes the inquiry unauthorized. Therefore, I am formally asking that you remove this inquiry from my credit file immediately, and confirm that it has been deleted once complete.

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: 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are not mine, and I am requesting their removal within 15 days as mandated by 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to formally request the correction and deletion of inaccurate personal information currently reported in my credit file. Upon reviewing my credit report, I have identified discrepancies that must be addressed immediately to ensure compliance with federal law and to protect my creditworthiness and identity verification processes. 
CONSUMER BACKGROUND As a consumer exercising my rights under FCRA Section 611 ( a ), I am entitled to have only accurate, complete, and verifiable information in my credit report. Any inaccurate or outdated personal information directly affects my ability to obtain credit, secure housing, and pass identity verification checks. Therefore, I respectfully demand the correction of the following items : ITEMS REQUIRING CORRECTION XXXX. Incorrect Name Variation Currently Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Legal Name : XXXX XXXX XXXX XXXX Consumer Note : This variation has never been associated with my identity and is creating unnecessary risk of misidentification. I have enclosed a copy of my government-issued ID to verify my correct legal name. 
XXXX. Outdated Address Information Currently Listed : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX TXXXX XXXXXXXX, KY XXXX Correct Current Address : XXXX XXXX XXXX Consumer Note : My current residence is verified through the enclosed utility bill and bank statement. The outdated address must be removed to prevent confusion and inaccurate identity checks. 
XXXX. Obsolete Employment Data Currently Listed : XXXX Correct Status : I am no longer an employee of this company. 
Consumer Note : This information is outdated and no longer reflects my current employment situation. Maintaining obsolete data violates the accuracy and completeness requirements of the FCRA. 
FCRA COMPLIANCE REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully demand that TransUnion : Conduct a reinvestigation of these disputed items within 30 calendar days, as mandated by federal law.

Correct and update my personal information to reflect accurate, verifiable, and current data.

Permanently delete any and all incorrect name variations from every file associated with my credit report.

Provide me with written confirmation of all corrections, deletions, and updates made.

Send me an updated copy of my corrected credit report at no charge, as required by the FCRA once a dispute has been resolved.

SUPPORTING DOCUMENTATION To assist your reinvestigation and expedite compliance, I have enclosed the following documents as verification : Government-issued photo ID ( Drivers License/State ID ) Current utility bill showing present address Bank statement confirming current address and phone number Recent phone bill verifying my current contact number

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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-12-23 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: Self Financial Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This dispute is being submitted as a second-round escalation after prior disputes and a CFPB complaint failed to result in full and lawful corrections to my credit file. 

I previously submitted disputes supported by a Federal Trade Commission Identity Theft Report, government-issued identification, and proof of address. Despite this, the credit reporting agencies failed to comply with their mandatory obligations under FCRA 605B, which requires the blocking of identity-theft-related information within four business days. Instead of blocking the fraudulent information, the bureaus improperly defaulted to a creditor-based reinvestigation process.

As confirmed in CFPB correspondence, several accounts were ultimately deleted, demonstrating that inaccurate and unverifiable information was being reported. However, other disputed accounts, inquiries, and public records continue to appear without proper verification. This establishes a pattern of inadequate reinvestigation, failure to maintain maximum possible accuracy, and continued reporting of disputed information, in violation of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 3 ). 

The remaining accounts being disputed include student loan tradelines serviced by XXXX ( nine associated tradelines ), as well as accounts from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Callers ( Gas South ), and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ). These accounts are disputed due to identity theft, lack of contractual authorization, and failure to produce competent verification, including original signed agreements or proof of obligation. 

Additionally, multiple hard inquiries were placed on my credit report without my authorization and without a demonstrated permissible purpose, in violation of FCRA 604 ( a ). These inquiries show a pattern of inquiry abuse and must be deleted unless written proof of authorization is produced.

A bankruptcy record filed in the U.S. Bankruptcy Court for the Northern District of Georgia ( XX/XX/year> ) is also disputed. The bureaus have marked this item as verified as reported without providing certified court documentation, which does not satisfy the requirements of FCRA 607 ( b ), 611 ( a ), or 609 ( a ) ( 1 ) ( B ).

Because the bureaus failed to properly block identity-theft-related information, failed to issue a Victim Determination Letter, and continue to report unverifiable data, this dispute is submitted as an intent-to-enforce escalation. Full deletion or lawful verification is demanded for all remaining disputed items. Continued noncompliance will result in further enforcement actions through the CFPB, FTC, and State Attorney General, as well as pursuit of civil remedies under FCRA 616617.

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