vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Summary of the Complaint : I am filing this complaint regarding the inaccurate and unauthorized reporting of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX. 

This account was charged off and closed as of XX/XX/XXXX, with a reported balance of {$1700.00}, and marked as negative across all three credit bureaus. However, I do not recognize this account, nor did I authorize or open it, and it has been previously disputed without appropriate resolution. 

Key Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Credit Card Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$1700.00} Reported Status : Equifax : Negative Charge-Off XXXX  : Negative Resolved Dispute ( Still Reporting Negative ) XXXX  : Negative Resolved by Grantor Last Activity Dates : Equifax : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Payment History : Multiple months reported as 120 days late / charge-off across XXXX Equifax and XXXX show extended delinquencies even though the account is closed and disputed Legal Violations : FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy.

Reporting a charge-off on an account that does not belong to me is a clear violation.

FCRA 15 U.S.C. 1681i ( a ) : Upon dispute, CRAs must investigate and remove inaccurate, unverifiable accounts within 30 days.

Despite previous disputes, the inaccurate charge-off remains, indicating a failure to reinvestigate properly. 

FCRA 15 U.S.C. 1681s-2 ( a ) : Furnishers ( XXXX XXXX XXXX are prohibited from reporting inaccurate information they know or have reasonable cause to believe is inaccurate.

FCRA 15 U.S.C. 1681s-2 ( b ) : Upon receiving a dispute notice from a CRA, the furnisher must investigate and correct or delete the inaccurate information. 

The continued reporting of a disputed, unauthorized account suggests noncompliance.

Consumer Harm : This erroneous charge-off reporting has significantly damaged my credit profile, impairing my ability to obtain credit, housing, and fair interest rates. It is unjust, given that I have never authorized, opened, or benefited from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Summary of the Complaint : I am filing this complaint regarding the inaccurate and unauthorized reporting of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX. 

This account was charged off and closed as of XX/XX/XXXX, with a reported balance of {$1700.00}, and marked as negative across all three credit bureaus. However, I do not recognize this account, nor did I authorize or open it, and it has been previously disputed without appropriate resolution. 

Key Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Credit Card Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$1700.00} Reported Status : Equifax : Negative Charge-Off XXXX  : Negative Resolved Dispute ( Still Reporting Negative ) XXXX  : Negative Resolved by Grantor Last Activity Dates : Equifax : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Payment History : Multiple months reported as 120 days late / charge-off across XXXX Equifax and XXXX show extended delinquencies even though the account is closed and disputed Legal Violations : FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy.

Reporting a charge-off on an account that does not belong to me is a clear violation.

FCRA 15 U.S.C. 1681i ( a ) : Upon dispute, CRAs must investigate and remove inaccurate, unverifiable accounts within 30 days.

Despite previous disputes, the inaccurate charge-off remains, indicating a failure to reinvestigate properly. 

FCRA 15 U.S.C. 1681s-2 ( a ) : Furnishers ( XXXX XXXX XXXX are prohibited from reporting inaccurate information they know or have reasonable cause to believe is inaccurate.

FCRA 15 U.S.C. 1681s-2 ( b ) : Upon receiving a dispute notice from a CRA, the furnisher must investigate and correct or delete the inaccurate information. 

The continued reporting of a disputed, unauthorized account suggests noncompliance.

Consumer Harm : This erroneous charge-off reporting has significantly damaged my credit profile, impairing my ability to obtain credit, housing, and fair interest rates. It is unjust, given that I have never authorized, opened, or benefited from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Subject : Final Legal Notice Failure to Honor Identity Theft Dispute, Legal Status, and UCC Claims To Whom It May Concern : This letter serves as my final formal dispute and notice of your non-compliance under 15 U.S. Code 1692 ( FDCPA ) and 15 U.S. Code 1681 ( FCRA ).

I have disputed these accounts more than ten ( 10 ) times, submitted all required and additional legal documents, and provided evidence of identity theft, including : FTC Identity Theft Report UCC1 Financing Statement UCC11 Search Record Remittance audits Proof of sovereign status and legal separation from corporate debt claims Despite my repeated attempts and lawful submissions, your bureau has willfully ignored my legal status, failed to honor the evidence provided, and continued to report fraudulent, inaccurate, and unverified information on my credit file.

Your Actions Are Illegal and Corrupt You are knowingly engaging in : False credit reporting Deceptive business practices Violations of federal law Civil rights infringement through denial of status recognition Let it be known that your company is now subject to audit, investigation, and legal remedy for your continued refusal to comply with federal regulations and failure to correct these knowingly false reports.

You Are Now Liable If this matter is not corrected within 15 days of receipt of this letter, I will proceed with : 1. Filing formal complaints with the CFPB, FTC, Attorney General, and XXXX. 


2. Initiating civil action in federal court for damages under FDCPA and FCRA.

3. Seeking that your bureau be fined and penalized for willful noncompliance.

Sincerely Unincorporated & Executor XXXX XXXX XXXX All Rights Reserved UCC1-308 Without Prejudice All good faith P.S. I already told you folks I'm not consumer and I'm an executor. Your business don't want to follow the laws that was here or the constitution set in place. I'm not part of y'all jurisdiction, I'm a moor, indigenous and sovereign. Your policies isn't laws. I'm doing audited on your business establishment when you illegally using my personal information and it's against the law. It's considered identity theft. Your business haven't sent no proof of the validation of the debt and investigating who was paying or using my info. This isn't proper investigating. I'm not a corporation and your business isn't allow to use my name in all caps and I'm a living natural being. I reclaimed my identify, I have a trust and estate. Nobody allow to use my info unless I assign them fudiarcy of my finances and I didn't consent in writing. I see why your business keep on getting sued. Do your jobs or face the consequences.

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 2025-07-31 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

UNAUTHORIZED INQUIRIES : XXXX XX/XX/2025 XXXX XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft, and my personal and financial information was compromised. An account with XXXX XXXX, account number ending XXXX, appears on my credit report as opened on XX/XX/year>, with a reported balance of {$9200.00}. I did not authorize this account, nor did I apply for or receive any funds associated with it. This account is the direct result of fraudulent activity committed by an unknown party using my personal information without my knowledge or consent. I have filed an identity theft report and am requesting that this account be blocked and removed from my credit file in accordance with 15 U.S.C. 1681c2. This account does not belong to me, and I should not be held responsible for any charges or balances reported.

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 2025-07-31 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$19000.00} Account Name : XXXX XXXX BANK XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$990.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
b"I had lost  my job in XXXX  so I fell behind  3 months. Once I got a new job I tried logging on account  to make a payments and was told that I don't have access to my account because it had been charged off but I could continue to make payments through a link. So i had caught up on my payments but was threatened that  they could still Repo the car! Not trying to understand or work with me on my issue. My brother had died who was paying me room and board so I was unable to pay on time. But was still making payments through a link that was provided.  But no ending balance information. Customer service representative is rude and/ or have broken English making it difficult to communicate.  When requesting balance or list of payments that had been made they don't follow through with email request!\n\nSeriously need help with company tactics \n\nThank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-31 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:
Summary of the Complaint : I am filing this complaint to report a fraudulent and inaccurate entry on my credit report regarding a XXXX  XXXX XXXX credit card account ( Account # XXXX ) that I do not recognize or recall ever opening. 

This account is being reported by all three major credit bureaus as closed, charged-off, and with a balance of {$2500.00}, and contains extensive delinquency history across XXXX and XXXX. However, I have no knowledge of this account, did not authorize its opening, and have never received or used a card tied to it. 

Account Details : Creditor : XXXX  XXXX XXXX Account Type : Revolving Credit Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Closed : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reported Balance : {$2500.00} Reported High Balance : XXXX  and Experian : {$0.00} ( which is inconsistent ) XXXX  : {$2500.00} Delinquency History : Equifax : XXXX XXXX XXXX XXXX, multiple XXXX lates in XXXX Experian : Identical history XXXX  : No verified delinquencies, but still shows charge-off Last Payment Dates : XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Experian : Not clearly listed Dispute Comments Present : Equifax and XXXX  indicate that the account is XXXX disputed by the consumer Legal Violations : FCRA 15 U.S. Code 1681e ( b ) : CRAs must report with maximum possible accuracy. 

Reporting an account that does not belong to the consumer and showing conflicting balances and history violates this provision. 

FCRA 15 U.S. Code 1681i ( a ) : When notified of a dispute, CRAs are obligated to reinvestigate within 30 days.

Despite marking the account as disputed, they have failed to remove or correct the information.

FCRA 15 U.S. Code 1681s-2 ( a ) and ( b ) : Furnishers must not report inaccurate information and must update or delete inaccurate entries when notified. 

Bank XXXX XXXX appears to have failed to properly investigate or validate this account. 

XXXX XXXX : The continued presence of this account on my credit report is causing severe damage to my XXXX XXXX, limiting my access to fair lending, housing, and financial opportunities. The account is not mine, and it must be removed immediately.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-31 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-31 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-07-31 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: PA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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