vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NJ

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX. XXXX : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$900.00} Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ).

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will be handled promptly and in compliance with federal law.

Thank you for your immediate attention to this urgent matter. 

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 2025-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : DPT EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-07-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Date : XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX, Experian XXXX. XXXX XXXX XXXX, TX XXXX and TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX, Subject : Request to Remove Inaccurate Credit Information XXXXXXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, Upon reviewing my credit report, I have identified inaccurate and unverifiable information associated with the account listed below : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This account is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : Under 15 U.S.C. 1692g, I was not notified in writing within five days of the initial communication as required.

As the original creditor, only I may validate this alleged debt. I do not validate this debt. 

Under 15 U.S. Code 1692j, I assert that I am not participating in the collection of any alleged debt related to deceptive forms or misrepresentation.

I formally request that this item be investigated and, if not verifiable, removed from my credit report in compliance with 15 U.S.C. 1681i. You are obligated to complete this reinvestigation within 30 days of receipt. If the data provider can not verify the account and its reporting, it must be deleted.

Please send written confirmation of your findings and an updated copy of my credit report to the address above. As provided by federal law, this report should be free of charge. Additionally, I request that you notify any parties who accessed my report in the last six months of any corrections.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Date : XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX, Experian XXXX. XXXX XXXX XXXX, TX XXXX and TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX, Subject : Request to Remove Inaccurate Credit Information XXXXXXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, Upon reviewing my credit report, I have identified inaccurate and unverifiable information associated with the account listed below : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This account is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : Under 15 U.S.C. 1692g, I was not notified in writing within five days of the initial communication as required.

As the original creditor, only I may validate this alleged debt. I do not validate this debt. 

Under 15 U.S. Code 1692j, I assert that I am not participating in the collection of any alleged debt related to deceptive forms or misrepresentation.

I formally request that this item be investigated and, if not verifiable, removed from my credit report in compliance with 15 U.S.C. 1681i. You are obligated to complete this reinvestigation within 30 days of receipt. If the data provider can not verify the account and its reporting, it must be deleted.

Please send written confirmation of your findings and an updated copy of my credit report to the address above. As provided by federal law, this report should be free of charge. Additionally, I request that you notify any parties who accessed my report in the last six months of any corrections.

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Maintaining a good credit is a priority for me, which is why Im really upset about the mistakes on my credit report. These inaccuracies are super stressful and its just frustrating to see my credit get impacted by errors that arent even my fault. I'm really concerned and want this resolved ASAP because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
My Experian report has 4 fraudulent accounts, fraudulent inquiries, names, and phone numbers. The name XXXX XXXX is fraudulent, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are fraudulent and need to be removed. These fraudulent items are hindering my ability to obtain credit. I have attached the required FTC Identity theft report and supporting documents to this complaint.

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 2025-07-22 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: NJ

Complaint narrative:
I RAN MY CREDIT REPORTS AND NOTICED FRADULENT ACCOUNT AND HARD INQUIRIES

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 2025-07-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Original Email XXXX XXXX XXXX. Created a XXXX address Its Been Used Several Times By Different People! Connected to Burner phones from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I Caught a Person WHO Is STILL using my XXXX & XXXX Addresses! I dont use XXXX! Or XXXX as Browser but XXXX only. Im Not Tech XXXX Computer Literate anyway. Last Anything Bought XXXX  Song for XXXX! No XXXX XXXX XXXX XXXX XXXX XXXX in My XXXX XXXX XXXXXX/XX/XXXX for an Apt ! Resident at prior address 11 Years, No Credit Cards since XXXX! No Finance Anything I Dont DRIVE! End of XX/XX/XXXX Credit check for my Apt in Still Signing 4th Year never Late Rent 3 yrs. I found XXXX Account tied with my XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I was Born in XXXX in XXXX! I DELETED All the History. Next Day All My XXXX Passwords & Medical Records History Wiped Away! I cant find it anywhere & now XXXX Control and Overide My Recognized Identity any Passwords I try.

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 2025-07-22 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: AL

Complaint narrative:
my information was compromised and exposed illegally to third parties in the XXXX  data breach. This issue has caused my credit score to be impacted negatively as fraudulent accounts were opened in my name. The fraudulent accounts are, XXXX XXXX  XXXX {$340.00}, XXXX XXXX  rooms to go {$3400.00}, XXXX XXXX  XXXX  {$2000.00}, XXXX XXXX XXXX XXXX {$2200.00}, XXXX XXXX  XXXX  {$3100.00}, XXXX XXXX XXXX {$540.00}, XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$540.00}, XXXX XXXX {$2200.00}, XXXXXXXX XXXX XXXX XXXX {$3400.00}

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 2025-07-22 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: FL

Complaint narrative:
I am filing this complaint against both TransUnion LLC and XXXX ( Account # XXXX ) for continued inaccurate reporting, failure to verify disputed information, and refusal to provide supporting documentation as required under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I mailed a certified dispute letter directly to XXXX Credit Bureau XXXX, requesting full documentation of their investigation, verification of the account, and proof of any late payments. They never responded. 

I also disputed the same account with TransUnion, which returned a result of " verified '' without providing the method of verification as required under FCRA 1681i ( a ) ( 7 ). This is a failure to conduct a reasonable investigation. 

Key Problems with This Account : Account shows Paid, Closed was XXXX XXXX past due However, payment history only shows XXXX and XX/XX/XXXX as OK. There is no XX/XX/XXXX entry or any delinquency data. This contradicts the derogatory status. 
Violation of FCRA 1681e ( b ) and 1681i. 

Terms say " {$0.00} per month, paid monthly for XXXX XXXX XXXX Makes no sense a XXXX XXXX  monthly payment cant be paid monthly. Likely a data error. 

XXXX XXXX is only {$140.00} Very low for an XXXX loan. Balance and term details conflict. 

Opened XX/XX/XXXX, Closed XXXX XXXX That's 3 XXXX XXXX not XXXX. The dates contradict the reported term. 

XXXX remark : Completed investigation consumer disagreed This generic remark doesnt meet FCRA 1681i ( a ) ( 7 ) obligations. I was not shown : The furnishers name The date of the reinvestigation Any proof of late payments This account has never been properly verified. I am requesting : Full deletion or correction of this account from TransUnion Proof of verification from XXXX XXXX XXXX how either party substantiated the XXXX delinquency These errors have caused me continued credit denials and unnecessary harm, and I am seeking resolution before moving forward with formal legal action. 

I am preparing legal action if this issue is not resolved, based on violations of FCRA 1681e ( b ), 1681i, 1681s-2 ( b ), 1681n, and 1681o.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-22 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: CA

Complaint narrative:
Account opened with XXXX XXXX in XXXX Account opened with XXXX XXXX Bank in XXXX Hard Inquiry inquired with XXXX XXXX in XX/XX/XXXX Hard inquiry inquired with XXXX  XXXX bank in XX/XX/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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-22 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: EQUIFAX, INC.
State: DC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally request the removal of several inaccurate and outdated addresses listed on my Experian credit report. These addresses do not reflect my current or legal residence, and none of my credit accounts or inquiries are associated with them. Additionally, I do not possess any form of identification ; government-issued or otherwise that matches any of them. I tried disputing them with Experian but I am not given much options to explain why I am disputing them. 

In less than 1 hour, Experian returns a dispute result ( s ) stating that everything was updated but no changes were actually made and I was not contacted by anyone from Experian regarding the dispute.

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 2025-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In light of the XXXX CFPB enforcement action ( CFPB & FTC XXXX XXXX  ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX XXXXXXXX and 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