vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX ( My name is ), SSN:XXXX, DOB XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681C-2 ) That XXXX  credit reporting agency , Experian reporting agency and Transunion agency , to block this information within 4 business days of you receiving this complaint. This false information, fraudulent information, and inaccurate information consist of a personal loan opened on XXXX at XXXX XXXX XXXX, a loan at XXXX XXXX XXXX XXXX ON XXXX, a credit card at XXXX XXXX XXXX  on XXXX, a credit card at XXXX XXXX XXXX on XXXX, a loan at XXXX XXXX XXXX ON XXXX, multiple loans at DEPT OF ED on XXXX, XXXX, XXXX, XXXX, XXXX, XXXXThese account has resulted in fraudulent hard inquiries and fraudulent collections appearing on my FICO credit report such as I do not recognize the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries, on my consumer credit report weren't open or initiated by me. All of the aforementioned hard inquiries from XXXX XXXX XXXX  XXXX XXXX ON XXXX and XXXX on XXXX, accounts and collections are the result of identity theft and fraud. I have a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the collections, credit accounts, 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 explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
RE : Late Payment Dispute Request for Proof of Notification Compliance Notice to Agent is Notice to Principal | Notice to Principal is Notice to Agent Dear XXXX XXXX XXXX Dispute Department, I am writing to dispute the reporting of a payment marked as late on my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which has been reported to Experian, TransUnion, and Equifax. 

Pursuant to 15 U.S.C. 1666b, a creditor may not treat a payment as late for any purpose unless it has adopted reasonable procedures to ensure that the periodic statement including all information required under Section 1637 ( b ) was delivered to the consumer not less than 21 days before the payment due date.

Therefore, I am requesting the following : Copies of each billing statement that was sent related to the disputed payment. 


Documentary proof that such statements included all information required by 15 U.S.C. 1637 ( b ).

Evidence of delivery or mailing at least 21 days prior to the due date of the payment marked as late. 


Additionally, under 15 U.S.C. 1681s-2 ( 7 ), any financial institution that reports negative information to a credit reporting agency must notify the consumer in writing within 30 days. I request : Proof of such notification with tracking number, date stamp, and evidence of mailing prior to the reporting.

This request is made in good faith pursuant to Federal Rule of Evidence 1002. You have 30 calendar days to respond. If I do not receive a satisfactory response, I will escalate this matter to the appropriate regulatory agencies.

Sincerely, 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 2025-07-25 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: PA

Complaint narrative:
RE : Late Payment Dispute Request for Proof of Notification Compliance Notice to Agent is Notice to Principal | Notice to Principal is Notice to Agent Dear XXXX XXXX XXXX Dispute Department, I am writing to dispute the reporting of a payment marked as late on my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which has been reported to Experian, TransUnion, and Equifax. 

Pursuant to 15 U.S.C. 1666b, a creditor may not treat a payment as late for any purpose unless it has adopted reasonable procedures to ensure that the periodic statement including all information required under Section 1637 ( b ) was delivered to the consumer not less than 21 days before the payment due date.

Therefore, I am requesting the following : Copies of each billing statement that was sent related to the disputed payment. 


Documentary proof that such statements included all information required by 15 U.S.C. 1637 ( b ).

Evidence of delivery or mailing at least 21 days prior to the due date of the payment marked as late. 


Additionally, under 15 U.S.C. 1681s-2 ( 7 ), any financial institution that reports negative information to a credit reporting agency must notify the consumer in writing within 30 days. I request : Proof of such notification with tracking number, date stamp, and evidence of mailing prior to the reporting.

This request is made in good faith pursuant to Federal Rule of Evidence 1002. You have 30 calendar days to respond. If I do not receive a satisfactory response, I will escalate this matter to the appropriate regulatory agencies.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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 is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-25 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:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-25 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I did not open these accounts and have no association with them. As outlined in USC 1681g, I demand they be removed from my credit file within 15 days. Please find enclosed proof for your review.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CRE Credit Services
State: TX

Complaint narrative:
I was told while trying to rent an apartment, that my credit score and rental history seems to not exist at all. Although I currently reside in an apartment and have for 2 years.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-25 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: CO

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 2025-07-25 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: CO

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 2025-07-25 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AL

Complaint narrative:
On XX/XX/year>, I contacted the company to request a pay-for-delete agreement regarding a shared lease collection account. I asked to send a written settlement offer by email, but the representative refused, claiming they do not communicate by email ; even though I have previously received emails from the company. 

The representative, whose name I believe was XXXX XXXX or possibly XXXX or XXXX XXXX, became extremely rude and sarcastic. When I attempted to end the call politely, he stated, Whatever happens to you next is on you based on this conversation, and added, I get paid by the hour, in a tone that felt threatening and intentionally intimidating. 

I felt bullied and manipulated, as if my refusal to settle immediately over the phone would result in retaliation or harm to my credit. His tone strongly implied that negative consequences would follow if I didnt comply right then. 

Because of this, I chose to send a formal letter via certified mail to ensure documentation of my good faith effort to resolve the matter, and to protect myself from further misconduct. I believe the companys handling of this call violated fair debt collection practices and Im filing this complaint to report the threat and pressure I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AZ

Complaint narrative:
I am a victim of identity theft. I filed an FTC Identity Theft Report on XX/XX/year> and sent certified dispute letters on XX/XX/year> to the credit bureaus and companies involved. My packets included the FTC report ( # XXXX ), my government-issued ID, and proof of address. Despite this, the fraudulent accounts were not removed and were later reinserted without notice or proper investigation. I have since received collection letters and bills demanding payment, some even addressed to names that are not mine, falsely claiming I am responsible for these accounts. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The credit bureaus ( Experian, Equifax, TransUnion ) and these companies ignored my proof and violated FCRA 605B by failing to investigate or block the fraudulent data. My personal information has also been found on over XXXX  websites on the dark web, with unknown names and addresses linked to my identity. This has caused emotional stress and financial harm, and the same fraudulent accounts are still being reported as mine.

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 2025-07-25 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: AZ

Complaint narrative:
I am a victim of identity theft. I filed an FTC Identity Theft Report on XX/XX/year> and sent certified dispute letters on XX/XX/year> to the credit bureaus and companies involved. My packets included the FTC report ( # XXXX ), my government-issued ID, and proof of address. Despite this, the fraudulent accounts were not removed and were later reinserted without notice or proper investigation. I have since received collection letters and bills demanding payment, some even addressed to names that are not mine, falsely claiming I am responsible for these accounts. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The credit bureaus ( Experian, Equifax, TransUnion ) and these companies ignored my proof and violated FCRA 605B by failing to investigate or block the fraudulent data. My personal information has also been found on over XXXX  websites on the dark web, with unknown names and addresses linked to my identity. This has caused emotional stress and financial harm, and the same fraudulent accounts are still being reported as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally requesting the reinstatement of a deleted account that previously appeared on my credit report. The accounts had a history of on-time payments and was in good standing prior to its removal. I believe it may have been removed due to a dispute or in error. As the account reflects responsible credit usage and positively impacts my credit profile, I respectfully request that it be reinstated. 

If the deletion was the result of a previous dispute, I would like to rescind that dispute and ask that the account be re-added to my report in its original form. I am prepared to provide any supporting documentation necessary to assist in this process. 

Please confirm receipt of this letter and notify me of any additional steps I must take. 
I appreciate your time and prompt attention to 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 2025-07-25 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: MD

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-25 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: WI

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 : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I have reached out the equifax XXXX XXXX  dept and they stating they have not received the determination letter to process the block I have mailed and send the info from There portal I was told on XX/XX/year> that the paper work has been received and they are working on the case now here it is XX/XX/year> and the case is closed with no explanation of the block being placed

Company response to consumer: Closed with explanation