vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Request for Deletion of Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX : XXXX XX/XX/year> Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Heres my CORRECT personal information : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Incorrect Information Transunion : XXXX XXXX AV XXXX YRS XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Experian : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax : XXXX XXXX XXXX XXXX XXXX, IL XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Request for Deletion of Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX : XXXX XX/XX/year> Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Heres my CORRECT personal information : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Incorrect Information Transunion : XXXX XXXX AV XXXX YRS XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Experian : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax : XXXX XXXX XXXX XXXX XXXX, IL XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I was alarmed to discover that my credit report has been improperly accessed, with applications submitted in my name by companies I neither recognize nor authorized. These fraudulent inquiries violate my rights as a consumer and are completely unacceptable.

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 2025-08-15 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
I hereby dispute the inclusion of certain accounts on my credit report that were not authorized by me. I respectfully request a thorough investigation and the removal of these accounts. Supporting materials are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Control, LLC
State: TX

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I filed a dispute regarding the account you are reporting, providing my full legal name, email address, phone number, and the complete details of my dispute. This constitutes all identifying information necessary to locate and investigate the account. 

Any assertion that additional information is required is without merit. You have had everything necessary to conduct a thorough investigation since XX/XX/scrub> 2025. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of my dispute. While the 30-day investigation period has not fully elapsed, I am formally putting you on notice that failure to resolve or delete this inaccurate account promptly could constitute a violation of the FCRA.

I expect that this matter will be addressed without further delay. If the account is not corrected or deleted within 7 days of receipt of this notice, I will escalate this matter and pursue all available legal remedies, including filing a complaint with the CFPB and initiating legal action through my attorney. 

Consider this my final notice before immediate escalation. 

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
I TOLD XXXX THAT MY DAD WAS DECEASED THAT HE DIED ON XXXX XXXX AND I PROCEEDED TO GIVE THEM HIS DEATH CERTIFICATE AND THEY DIDNT BELIEVE ME THEY THOUGHT THAT HE WAS STILL ALIVE WHICH HE WAS DEAD BECAUSE I DONT OWN NO ACCOUNTS WITH THEM MY DAD IS THE ONE WHO OPENED UP THEM ACCOUNTS WITH PEOPLE UNDER HIS NAME HE IS DEAD

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX  - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXX XXXX - Account not mine XXXX  - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NV

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

1681c2 ) that you, the TransUnion 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX / XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX / XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX 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 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 2025-08-15 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:
My name is XXXX XXXX, I am a simple man who makes a living driving my truck through the long roads of this XXXX, spending nights in different hotels far away from home, and in one of those places my identity was stolen and misused, making me a victim of identity theft. Since then, my life has turned into a nightmare, because when I look at my credit report I find accounts and inquiries that I never opened, never applied for, and that simply do not belong to me. It is devastating to see my name tied to debts like XXXX ( Account number : XXXX ) Loan Opened in XX/XX/XXXX, which before even appeared as XXXX XXXX as if they were hiding behind different names, XXXX ( Account number : XXXX ) Credit Card Opened in XX/XX/XXXX, XXXX ( Account number : XXXX ) Credit Card Opened in XX/XX/XXXX, and XXXX XXXX XXXXXXXX ( Account number : XXXX ) Auto Loan Opened in XX/XX/XXXX, as well as inquiries such as XXXX XXXX with Experian on XX/XX/XXXX, none of which are mine. Every day I carry the weight of this fraud, feeling helpless and deeply affected, while all I ever wanted was to work honestly, provide for my family, and live in peace without this stolen identity destroying the life I built with so much effort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I am a victim of identity theft and demand that you immediately block and remove the following unauthorized tradeline from my credit report which was opened without my knowledge or consent 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 Under FCRA Section 605B ( 15 USC 1681c-2 ), you are required to block and remove any information resulting from identity theft within four business days of receiving this request, proper identification, and an identity theft report.

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 2025-08-15 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:
I am a victim of identity theft and demand that you immediately block and remove the following unauthorized tradeline from my credit report which was opened without my knowledge or consent 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 Under FCRA Section 605B ( 15 USC 1681c-2 ), you are required to block and remove any information resulting from identity theft within four business days of receiving this request, proper identification, and an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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 writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

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 2025-08-15 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: VA

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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this second complaint regarding XXXX XXXX for failing to respond to my initial complaint ( CFPB Case Reference : [ Insert first case number if available ] ) and for continuing to inaccurately report my account. 

XXXX XXXX has reported my account as 60 days past due, which is incorrect. This derogatory reporting is causing significant harm to my credit profile and personal finances. In my initial complaint, I requested that XXXX XXXX provide documentation supporting this late payment or correct the reporting. To date, they have neither responded to the CFPB inquiry nor resolved the inaccurate reporting.I have provided investigation reports and several supporting documents in my CFPB complaint against XXXX XXXX. 

I am again requesting that the CFPB require XXXX XXXX to : XXXX. Provide verifiable proof of the alleged delinquency, including account statements, payment history, and due dates ; or XXXX. Immediately remove or correct the inaccurate XXXX past due status from my credit reports with all credit bureaus. 

This matter has now exceeded reasonable resolution timelines, and XXXX XXXX  lack of response appears to be a violation of both the Fair Credit Reporting Act ( FCRA ) and CFPB complaint resolution guidelines. 

I am seeking prompt intervention from the CFPB to ensure this issue is addressed, my credit report is corrected, and XXXX XXXX complies with their legal obligations.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this second complaint regarding XXXX XXXX for failing to respond to my initial complaint ( CFPB Case Reference : [ Insert first case number if available ] ) and for continuing to inaccurately report my account. 

XXXX XXXX has reported my account as 60 days past due, which is incorrect. This derogatory reporting is causing significant harm to my credit profile and personal finances. In my initial complaint, I requested that XXXX XXXX provide documentation supporting this late payment or correct the reporting. To date, they have neither responded to the CFPB inquiry nor resolved the inaccurate reporting.I have provided investigation reports and several supporting documents in my CFPB complaint against XXXX auto. 

I am again requesting that the CFPB require XXXX XXXX to : XXXX. Provide verifiable proof of the alleged delinquency, including account statements, payment history, and due dates ; or XXXX. Immediately remove or correct the inaccurate XXXX past due status from my credit reports with all credit bureaus. 

This matter has now exceeded reasonable resolution timelines, and XXXX XXXX  lack of response appears to be a violation of both the Fair Credit Reporting Act ( FCRA ) and CFPB complaint resolution guidelines. 

I am seeking prompt intervention from the CFPB to ensure this issue is addressed, my credit report is corrected, and XXXX XXXX complies with their legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX 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 explanation