vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights XXXX privacy XXXX confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX * * * * * * * * * * XXXXS XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * XXXX  XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX  XXXX XXXX * XXXX * * * * * * * XXXX XXXX * * XXXX XXXX Bankruptcy XXXX has violated my rights. 

EQUIFAX XXXX XXXX * * * * * * * * * * XXXX  XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * CB/VICSCRT XXXX * * * * * * * * * * XXXX XXXX XXXX * XXXX * * * * * * * XXXX XXXX * * has violated my rights. 

EXPERIAN XXXX XXXX XXXX * * * * * * * * * XXXX XXXX * * * * * * * * * * XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX XXXX * * XXXX XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete XXXX not accurate. XXXX according XXXX  the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures XXXX  assure maximum possible accuracy of the information concerning the individual about whom the report relates according XXXX XXXX XXXX XXXX ( XXXX ) ( b ). 

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

XXXX according XXXX XXXX XXXX XXXX they are suppose XXXX not furnish any information relating XXXX a consumer XXXX any consumer reporting agency if the person knows or has reasonable cause XXXX  believe that the information is inaccurate.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights XXXX privacy XXXX confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX * * * * * * * * * * XXXXS XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * XXXX  XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX  XXXX XXXX * XXXX * * * * * * * XXXX XXXX * * XXXX XXXX Bankruptcy XXXX has violated my rights. 

EQUIFAX XXXX XXXX * * * * * * * * * * XXXX  XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * CB/VICSCRT XXXX * * * * * * * * * * XXXX XXXX XXXX * XXXX * * * * * * * XXXX XXXX * * has violated my rights. 

EXPERIAN XXXX XXXX XXXX * * * * * * * * * XXXX XXXX * * * * * * * * * * XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * XXXX XXXX * * * * * * * * * * XXXX XXXX XXXX * * * * * * * * * * XXXX XXXX * * XXXX XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete XXXX not accurate. XXXX according XXXX  the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures XXXX  assure maximum possible accuracy of the information concerning the individual about whom the report relates according XXXX XXXX XXXX XXXX ( XXXX ) ( b ). 

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

XXXX according XXXX XXXX XXXX XXXX they are suppose XXXX not furnish any information relating XXXX a consumer XXXX any consumer reporting agency if the person knows or has reasonable cause XXXX  believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-08 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: NY

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MI

Complaint narrative:
Hello. 
The attached accounts are reported on my account. It XXXX XXXX has the incorrect open address, which is why it's still reporting. I need this account removed asap. 
Additionally, there are XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts reporting. These accounts have been also closed ( XXXX XXXX XXXX  and should be removed as well. 

Please send me an updated copy of my credit.report.resting in the changed made. 

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal dispute to address multiple instances of inaccurate and conflicting personal identifying information currently being reported by TransUnion, Equifax, and Experian in violation of the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX ( b ). This section of the FCRA mandates that credit reporting agencies maintain data that is accurate, complete, and up to date. The current information associated with my credit file fails to meet that legal standard. 

Only the following information is accurate and verifiable : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX My Employer is : XXXX XXXX to this dispute are XXXX official and verifiable documents : My Florida XXXX photo ID My Social Security card A recent utility bill verifying my residential address Each of the XXXX credit bureaus has failed to maintain accurate personal identifiers on my file. They continue to report variations of my name, past or incorrect addresses, and potentially unverifiable or obsolete employment information. This kind of outdated, incorrect, or duplicated data introduces the risk of file fragmentation, identity mismatch, or even identity theft, all of which can lead to credit denials, increased interest rates, and reputational harm. 

The Federal Trade Commission ( XXXX  ) and numerous court rulings have reaffirmed that credit reporting agencies bear a legal obligation to investigate disputed data and correct or delete unverifiable or inaccurate information. The continued reporting of these false identifiers not only violates FCRA XXXX ( a ), which mandates timely reinvestigation and correction of disputed information, but may also expose the bureaus to civil liability under FCRA XXXX and XXXX for willful or negligent noncompliance. 

If these inaccurate entries are not corrected and confirmed in writing within the required XXXX window, I am prepared to escalate this issue by filing supplemental complaints with the FTC, the State Attorney General, and pursuing legal action under FCRA liability XXXX. This notice serves as both a formal dispute and demand for correction. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am filing this formal dispute to address multiple instances of inaccurate and conflicting personal identifying information currently being reported by TransUnion, Equifax, and Experian in violation of the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX ( b ). This section of the FCRA mandates that credit reporting agencies maintain data that is accurate, complete, and up to date. The current information associated with my credit file fails to meet that legal standard. 

Only the following information is accurate and verifiable : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX My Employer is : XXXX XXXX to this dispute are XXXX official and verifiable documents : My Florida XXXX photo ID My Social Security card A recent utility bill verifying my residential address Each of the XXXX credit bureaus has failed to maintain accurate personal identifiers on my file. They continue to report variations of my name, past or incorrect addresses, and potentially unverifiable or obsolete employment information. This kind of outdated, incorrect, or duplicated data introduces the risk of file fragmentation, identity mismatch, or even identity theft, all of which can lead to credit denials, increased interest rates, and reputational harm. 

The Federal Trade Commission ( XXXX  ) and numerous court rulings have reaffirmed that credit reporting agencies bear a legal obligation to investigate disputed data and correct or delete unverifiable or inaccurate information. The continued reporting of these false identifiers not only violates FCRA XXXX ( a ), which mandates timely reinvestigation and correction of disputed information, but may also expose the bureaus to civil liability under FCRA XXXX and XXXX for willful or negligent noncompliance. 

If these inaccurate entries are not corrected and confirmed in writing within the required XXXX window, I am prepared to escalate this issue by filing supplemental complaints with the FTC, the State Attorney General, and pursuing legal action under FCRA liability XXXX. This notice serves as both a formal dispute and demand for correction. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: WA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Best buy hasnt let me use my store credit card and or any card and have placed a hold or fraud detected all because i filed a missing item that wasnt delivered so instead of trying to fix the issue they said no and contact police and now i have a hold on my account its fraud they said even after identifying my identity and my card. Nope they just increased my credit limit and they can keep it. That company is a joke and useless customer service. Please remove the fraud off my account and the hold or its going to be legal. I have already contacted legal counsel and they have told me it is something i can sue over and i just might please remove the fraud flag and hold on my account now

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AR

Complaint narrative:
Hello, I checked my Equifax Credit report on XX/XX/year>, and realized that they are reporting an inaccurate address for me. Please remove the inaccurate address of XXXX XXXX XXXX XXXX, XXXX, Arkansas XXXX from any and all of my credit reports. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CFAM Financial Services, LLC
State: MI

Complaint narrative:
Hello. 
The attached accounts are reported on my account. It XXXX XXXX has the incorrect open address, which is why it's still reporting. I need this account removed asap. 
Additionally, there are four ( 4 ) Dept of Education XXXX XXXX accounts reporting. These accounts have been also closed ( ( XXXX  ) and should be removed as well. 

Please send me an updated copy of my credit.report.resting in the changed made. 

XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am submitting this report with the FTC due to unauthorized accounts with my credit report. The accounts mentioned XXXX XXXX I did not authorized, XXXX XXXX  I did not authorized, XXXX I did not authorized. I have disputed these item and the creditors failed to act or provide proof. I am now demanding for these items to be removed due to identity theft. As my rights due to FCRA I NEED ANWERS!

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