vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX / XXXX, XXXX XXXX  account # XXXX and XXXX XXXX XXXX account # XXXX on XX/XX/year> via certified mail demanding to correct misleading credit reporting on charge-off accounts. Experian keeps verifying the accounts accurate which in fact theyre not. This is violation of the Fair Credit Reporting Act 15 USC s-2 ( b ), deceptive practices under the Georgia Fair Business Practices Act FBPA OCGA 10-1-393 and credit defamation and consumer harassment. All of the debt collection need to be removed immediately from all these violations

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 2025-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
On XX/XX/year>, Reliant Capital Solutions contacted me via text message stating that I owe a bill. I replied on the same day, stating that the services in question pertained to an accident and that they needed to contact my attorney at XXXX XXXX XXXX. I also stated that they do not have my permission to contact me anymore by means of electronic messaging, and any further communications had to be done by US mail to the address on file. 

Reliant has failed to comply with the above and has proceeded to contact via text on XX/XX/year> and XX/XX/year>, and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am formally disputing the inaccurately reported late payment appearing on my credit report. My documented records confirm that all payments have been made in a timely manner, making this negative entry clearly incorrect. Its continued presence unfairly damages my credit standing and misrepresents my financial responsibility.

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 2025-09-08 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:
Kindly treat this as an official dispute regarding accounts that do not belong to me. They appear to be fraudulent, and I request their removal from my record along with a complete inquiry. Proof is enclosed.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies XXXX, XXXX, and TransUnion regarding the appearance of XXXX fraudulent accounts on my consumer XXXX credit report. These accounts are the result of identity theft and fraud and do not belong to me. 
The fraudulent accounts appearing on my credit report are as follows : XXXX XXXX ( XXXX ) Account XXXX. XXXX, opened XX/XX/XXXX, balance {$3500.00} XXXX XXXX ( XXXX ) Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1800.00} XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1000.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$4600.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$6300.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$10000.00} XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$6600.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$2500.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1400.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1600.00} XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$2300.00} XXXX XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$4400.00} XXXX XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$660.00} XXXX XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1400.00} XXXX XXXX XXXX  Account XXXX. XXXX, opened XX/XX/XXXX, balance {$3600.00} XXXX XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$10000.00} These fraudulent accounts have also generated unauthorized inquiries and collections that now appear on my credit report. This has caused significant harm to my consumer credit profile. 
I am formally demanding that : XXXX of the above fraudulent accounts be immediately deleted from my credit reports with XXXX, XXXX, and TransUnion. 
XXXX related collection activity and reporting cease in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I request prompt investigation and resolution of this matter.

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 2025-09-08 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies Experian, XXXX, and XXXX  regarding the appearance of XXXX fraudulent accounts on my consumer XXXX credit report. These accounts are the result of identity theft and fraud and do not belong to me. 
The fraudulent accounts appearing on my credit report are as follows : XXXX XXXX ( XXXX ) Account XXXX. XXXX, opened XX/XX/XXXX, balance {$3500.00} XXXX XXXX ( XXXX ) Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1800.00} XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1000.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$4600.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$6300.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$10000.00} XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$6600.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$2500.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1400.00} XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1600.00} XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$2300.00} XXXX XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$4400.00} XXXX XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$660.00} XXXX XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$1400.00} XXXX XXXX XXXX  Account XXXX. XXXX, opened XX/XX/XXXX, balance {$3600.00} XXXX XXXX XXXX Account XXXX. XXXX, opened XX/XX/XXXX, balance {$10000.00} These fraudulent accounts have also generated unauthorized inquiries and collections that now appear on my credit report. This has caused significant harm to my consumer credit profile. 
I am formally demanding that : XXXX of the above fraudulent accounts be immediately deleted from my credit reports with Experian, XXXX, and XXXX. 
XXXX related collection activity and reporting cease in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I request prompt investigation and resolution of this matter.

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 2025-09-08 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:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt 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 2025-09-08 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: DE

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt 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 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX  - XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

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 2025-09-08 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX - XXXX XXXX  - XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

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 2025-09-08 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: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12.00} 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