vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item or modify it based on the results of the reinvestigation.

These accounts were either opened fraudulently, are inaccurate, or can not be verified. Ive never authorized these charges, leases, or purchases, and they are having a damaging impact on my credit profile.

The listed accounts were not opened or agreed to by me and I have submitted a formal FTC Identity Theft Report regarding these fraudulent items.

What would be a fair resolution to this issue?

I want these items removed and blocked from my credit profile. 



Disputed Accounts : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$19000.00} Type : Collection XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. 

Account Number : XXXX Balance : {$770.00} Type : XXXX XXXX XXXX XXXX XXXX ( 1 ) Original Creditor XXXX XXXX  Account Number : XXXX Balance : {$5000.00} Type : Collection XXXX XXXX XXXX XXXX XXXX XXXX ) Original Creditor : XXXX Account Number : XXXX Balance : {$3400.00} Type : Collection XXXX XXXX  Account Number : XXXX Balance XXXX {$5200.00} ( charged off ) Type : Credit Card XXXX XXXX Account Number : XXXX Balance : {$320.00} ( charged off ) Type : Secured Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX RE : Debt Validation Request under 15 U.S. Code 1692g ( a ) account name XXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX  OPEN DATE XX/XX/XXXX Account name XXXX OPEN DATE XX/XX/XXXX Account namXXXX XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX  OPEN DATE XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dear CREDIT BUREAUS I am requesting validation of a debt you claim I owe, as provided under the Fair Debt Collection Practices Act, 15 U.S. Code 1692g. I request that you provide the following : 1. Proof that I am legally obligated to pay this debt ( such as the original signed agreement ).

2. Verification of the amount owed and how it was calculated.

3. The name and address of the original creditor ( if different from your company ).

4. Proof that you are licensed to collect debts in my state. 

For these accounts : account name XXXXXXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX OPEN DATE XX/XX/XXXX Account name XXXX OPEN DATE XX/XX/XXXX Account name CXXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX Account name XXXXXXXX XXXX  OPEN DATE XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Until you provide the requested validation, you must cease collection efforts, including reporting this item to credit bureaus. If youve already reported it, I request that you immediately delete the item from my credit report pending validation.

Please respond within 30 days as required by law. Failure to comply will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and/or result in legal action. 

Sincerely, 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX RE : Debt Validation Request under 15 U.S. Code 1692g ( a ) account name XXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX  OPEN DATE XX/XX/XXXX Account name XXXX OPEN DATE XX/XX/XXXX Account namXXXX XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX  OPEN DATE XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dear CREDIT BUREAUS I am requesting validation of a debt you claim I owe, as provided under the Fair Debt Collection Practices Act, 15 U.S. Code 1692g. I request that you provide the following : 1. Proof that I am legally obligated to pay this debt ( such as the original signed agreement ).

2. Verification of the amount owed and how it was calculated.

3. The name and address of the original creditor ( if different from your company ).

4. Proof that you are licensed to collect debts in my state. 

For these accounts : account name XXXXXXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX OPEN DATE XX/XX/XXXX Account name XXXX OPEN DATE XX/XX/XXXX Account name CXXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX Account name XXXXXXXX XXXX  OPEN DATE XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Until you provide the requested validation, you must cease collection efforts, including reporting this item to credit bureaus. If youve already reported it, I request that you immediately delete the item from my credit report pending validation.

Please respond within 30 days as required by law. Failure to comply will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and/or result in legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to dispute false and unauthorized accounts showing on my credit report. My information was reported without my permission, which violates 15 U.S. Code 1681b ( 2 ) of the FCRA. These accounts dont belong to me and could be related to identity theft, as described in 15 U.S. Code 1681c-2. I am asking for a full investigation and correction of these mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Per FCRA 611, 623, and 15 USC 1681i, Im requesting full billing history. This Nelnet loan is reporting inaccurately. Please investigate and delete the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this letter with great concern and distress regarding the inaccurate and damaging information currently being reported on my credit report. These negative entries are not only affecting my credit standing, but they are also having a serious and harmful impact on my everyday life and overall financial well-being.

Due to the nature of these items, I have been unable to get approved for basic lines of credit, including credit cards, housing opportunities, and essential financial tools that most people rely on to maintain a normal life. This situation has placed a tremendous emotional and financial burden on me, making it extremely difficult to support myself and my family.

I am requesting that you conduct a thorough investigation into the items in question, as I believe they are either inaccurate, outdated, or do not reflect the full context of the account history. The continued reporting of this information is unjustly limiting my ability to rebuild my financial life, obtain stable housing, and live a life free from unnecessary hardship.

I respectfully ask that this matter be handled with urgency and compassion, and that the questionable information be removed or corrected to reflect a more accurate and fair depiction of my creditworthiness. I am more than willing to provide any supporting documentation needed to assist with this process.

Thank you for your time and attention to this matter. I sincerely hope for a resolution that will allow me to move forward with dignity and financial stability. 

Sincerely, XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute inaccurate and potentially misleading information that appears on my credit report regarding an account with XXXX XXXX. The account is being reported as having a balance of {$140.00} and reflecting derogatory marks for 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 

Upon careful review of the reported payment history, I believe the reporting is inaccurate or incomplete, and I am requesting a full reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following issues require your attention : XXXX. Inconsistent and Inaccurate Delinquency Timeline The account was marked OK ( current ) for XXXX, XXXX, and XX/XX/year> across all three bureaus, then abruptly reported as 30 days late in XXXX and 60 days late in XXXX. This sequence appears to be misleading or may reflect a reporting error or re-aging of the debt. 
XXXX. Failure to Notify I was never notified by XXXX XXXX within 30 days of any negative information being furnished to the credit bureaus, which may constitute a violation of FCRA 623 ( a ) ( 7 ).

3. No Dispute Notation If I had previously disputed this with the creditor ( which I did ), the account must legally be marked as disputed by consumer, as required by FCRA 623 ( a ) ( 3 ). That designation is missing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Your agency has violated my consumer privacy rights as established under federal law. Specifically, the actions takenor failure to actare in direct conflict with the Fair Credit Reporting Act ( FCRA ), as outlined in the following provisions : - 15 U.S. Code 1681 ( a ) ( 4 ) This section explicitly recognizes the consumers right to privacy and mandates that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for that privacy.

- 15 U.S. Code 1681n Establishes civil liability for willful noncompliance, allowing consumers to seek actual damages or statutory damages ranging from {$100.00} to {$1000.00}.

- 15 U.S. Code 1681o Establishes civil liability for negligent noncompliance, including the recovery of actual damages and reasonable attorneys fees in successful actions.

- Under 15 U.S. Code 1681 ( a ) ( 4 ), I am asserting my right to privacy. The continued reporting of a bankruptcy on my consumer report is a violation of this right. I am formally requesting that you delete this information immediately.

Failure to comply will result in my pursuing monetary damages in small claims court within my jurisdiction. Please be advised that I have also filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals Office, the XXXX XXXX XXXX ( XXXX  ), and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XX/XX/XXXX Subject : Dispute of Late Payment Pursuant to 15 U.S. Code 1666 & 1666 ( b ) Account name XXXX OPEN DATE XX/XX/XXXX I am writing to dispute a late payment reported on my mortgage account, which appears on my credit report. This payment is inaccurate and I am requesting an investigation under the Fair Credit Billing Act, 15 U.S. Code 1666 and 1666 ( b ).

Please treat this letter as a formal notice of a billing error. The late payment in question occurred on [ insert date ], and I believe this to be in error due to timely payment made, billing not received, wrong due date, etc. ].

Under 15 U.S. Code 1666, you are required to : 1. Acknowledge this dispute within 30 days ; and 2. Investigate and resolve the matter within two billing cycles, not exceeding 90 days.

Please provide a written response confirming your findings. If you find the entry to be in error, I request that you immediately : Correct the payment status, Remove the late payment from my credit reports, and Provide me with updated statements for my records.

Failure to respond or correct the inaccurate information may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XX/XX/XXXX Subject : Dispute of Late Payment Pursuant to 15 U.S. Code 1666 & 1666 ( b ) Account name XXXX OPEN DATE XX/XX/XXXX I am writing to dispute a late payment reported on my mortgage account, which appears on my credit report. This payment is inaccurate and I am requesting an investigation under the Fair Credit Billing Act, 15 U.S. Code 1666 and 1666 ( b ).

Please treat this letter as a formal notice of a billing error. The late payment in question occurred on [ insert date ], and I believe this to be in error due to timely payment made, billing not received, wrong due date, etc. ].

Under 15 U.S. Code 1666, you are required to : 1. Acknowledge this dispute within 30 days ; and 2. Investigate and resolve the matter within two billing cycles, not exceeding 90 days.

Please provide a written response confirming your findings. If you find the entry to be in error, I request that you immediately : Correct the payment status, Remove the late payment from my credit reports, and Provide me with updated statements for my records.

Failure to respond or correct the inaccurate information may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts were charged off XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Since then These accounts has REPEATEDLY been updated as Charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information is falsely MANIPULATING THE STATUTE OF LIMITATION. You failed to properly investigate this account. Your NEGLIGENCE HAS VIOLATED MY RIGHTS. I AM DEMANDING REMOVAL OF THE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts were charged off XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Since then These accounts has REPEATEDLY been updated as Charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information is falsely MANIPULATING THE STATUTE OF LIMITATION. You failed to properly investigate this account. Your NEGLIGENCE HAS VIOLATED MY RIGHTS. I AM DEMANDING REMOVAL OF THE ACCOUNTS

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