vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX * * Balance : {$1000.00} XXXX XXXX * * * * Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MI

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 2025-05-21 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof that this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$550.00} XXXX CARD XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX CO ) XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-21 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: NJ

Complaint narrative:
T

o Whom It May Concern, I am writing to formally once again request full disclosure of any and all third parties involved in the origination, funding, purchase, transfer, securitization, or servicing of the all loans associated my social security number ending XXXX.

My lawful request is made pursuant to my right to know all material facts and parties relevant to my financial obligations and is in accordance with applicable state and federal laws, including but not limited to the Truth in Lending Act ( TILA ), and the Uniform Commercial Code ( UCC ).

Please provide the following information in writing : 1. The identity of any third parties who funded, acquired, or currently hold any interest in any loan or promissory note.

2. Any assignments, transfers, or sales of the loan or note since its origination, including dates and parties involved.

3. Copies of any agreements or contracts involving third parties related to the loan.

4. Confirmation of the true lender or creditor of record at the time of the loan origination.

5. Disclosure of any securitization of the loan, including the trust name, XXXX number, and any pooling and servicing agreement ( PSA ).

This request is being made in good faith for the purpose of clarifying the nature and legality of the lending transaction and to verify that all required disclosures were properly made at the time of origination.

Please provide a written response within 15 business days of receipt of this complaint. Failure to provide full disclosure may be construed as a violation of applicable consumer protection and lending laws, and I reserve all rights under state and federal law.

Affiant, in propia persona, XXXX XXXX XXXX , UCC 1-308 . Without prejudice.

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 2025-05-21 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:
To Whom It May Concern, I am writing to formally once again request full disclosure of any and all third parties involved in the origination, funding, purchase, transfer, securitization, or servicing of the all loans associated my social security number ending XXXX.

My lawful request is made pursuant to my right to know all material facts and parties relevant to my financial obligations and is in accordance with applicable state and federal laws, including but not limited to the Truth in Lending Act ( TILA ), and the Uniform Commercial Code ( UCC ).

Please provide the following information in writing : 1. The identity of any third parties who funded, acquired, or currently hold any interest in any loan or promissory note.

2. Any assignments, transfers, or sales of the loan or note since its origination, including dates and parties involved.

3. Copies of any agreements or contracts involving third parties related to the loan.

4. Confirmation of the true lender or creditor of record at the time of the loan origination.

5. Disclosure of any securitization of the loan, including the trust name, XXXX number, and any pooling and servicing agreement ( PSA ).

This request is being made in good faith for the purpose of clarifying the nature and legality of the lending transaction and to verify that all required disclosures were properly made at the time of origination.

Please provide a written response within 15 business days of receipt of this complaint. Failure to provide full disclosure may be construed as a violation of applicable consumer protection and lending laws, and I reserve all rights under state and federal law.

Affiant, in propia persona, XXXX XXXX XXXX  , UCC 1-308 . Without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-21 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-21 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This is a formal complaint regarding the unlawful and misleading reporting of an alleged debt by Pentagon Federal Credit Union, which they have since sold to another party ( XXXX XXXX XXXX ). I do not acknowledge any contract with either party. There is no bilateral agreement, no mutual consideration, and no lawful, valid, or verifiable obligation in existence. 

The creation and securitization of this alleged debt occurred without my consent or authorization, which constitutes identity theft and securities fraud. Continued reporting by the original creditor ( Pentagon Federal Credit Union ) after they have divested all interest in the account is misleading and violates : 15 U.S.C. 1681s-2 ( a ) prohibiting inaccurate or outdated information ; 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy ; 15 U.S.C. 1692e ( 2 ) ( A ) false representation of the character or legal status of any debt ; 15 U.S.C. 1692g ( b ) failure to validate the debt upon challenge. 

I am not a party to any valid enforceable contract. All claims are rebutted, refused for cause, and returned. The ongoing reporting by Pentagon Federal is an act of bad faith, misrepresentation, and constructive 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 2025-05-21 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof that this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$550.00} XXXX CARD XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX CO ) XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/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 2025-05-21 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof that this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$550.00} XXXX CARD XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX CO ) XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXXXXXX 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 XXXXXX/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 2025-05-21 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation