vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
I am submitting this complaint due to multiple unauthorized hard inquiries reporting on my credit file that I did not approve, initiate, or authorize. These inquiries were made without my written consent and have no accounts tied to them. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 2 ), this violates the requirement of permissible purpose.

I submitted a written block request under FCRA Section 605B with my identification, proof of address, and a copy of my credit report. The law states that any disputed item lacking proper authorization must be blocked within 4 business days of receiving documentation. That deadline has passed, and the inquiries remain on my report with no removal or communication. 

List of Unauthorized Inquiries ( No Account Associated ) : XXXX XXXX XXXXXX/XX/XXXX TransUnion EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax These are harming my credit and were not authorized by me. I am requesting that the CFPB enforce my rights under the FCRA and ensure these unauthorized inquiries are permanently deleted 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 2025-07-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint due to multiple unauthorized hard inquiries reporting on my credit file that I did not approve, initiate, or authorize. These inquiries were made without my written consent and have no accounts tied to them. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 2 ), this violates the requirement of permissible purpose.

I submitted a written block request under FCRA Section 605B with my identification, proof of address, and a copy of my credit report. The law states that any disputed item lacking proper authorization must be blocked within 4 business days of receiving documentation. That deadline has passed, and the inquiries remain on my report with no removal or communication. 

List of Unauthorized Inquiries ( No Account Associated ) : XXXX XXXX XXXXXX/XX/XXXX TransUnion EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN BUSINESS CRED XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax These are harming my credit and were not authorized by me. I am requesting that the CFPB enforce my rights under the FCRA and ensure these unauthorized inquiries are permanently deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information that appears on my credit report. Upon reviewing my report, I noticed that some of the personal details listed are incorrect, and I am requesting that these be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX, 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I disputed a XXXX XXXX collection account that is showing as closed but still reporting a balance on my Experian credit report. I requested a proper method of verification under the FCRA, but they failed to provide accurate documentation or correct the reporting. This account may be violating FCRA and Metro 2 guidelines, and I am requesting that it be removed or corrected immediately. This inaccurate reporting is negatively impacting my credit profile.

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 2025-07-17 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: MS

Complaint narrative:
This letter is to notify you that a collection account appearing on my credit report is being reported in error or as a result of fraudulent activity. I have no association with this debt and have not received any valid proof of its legitimacy.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report. 

1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit file by Experian. 

I identified a tradeline on my credit report with XXXX XXXX that reported inconsistent and inaccurate dates across all three credit bureaus ( XXXX, Equifax, and Experian ). The date of first delinquency, last payment date, and/or account status differed across the reports, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Upon initiating a dispute : XXXX immediately investigated and deleted the account from my credit file, suggesting the information was unverifiable or inaccurate. 
Experian only updated the dates to match XXXX another Equifax, but these dates were still not accurate and not verified with me. 
The account continues to reflect inconsistent, inaccurate, and potentially misleading information. 

I believe this is a violation of : FCRA 611 ( 15 U.S.C. 1681i ) Failure to properly investigate a dispute ; FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy ; FCRA 602 ( A ) Right to fair and accurate 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 2025-07-17 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: TX

Complaint narrative:
On or around XX/XX/XXXX, and XX/XX/XXXX, I sent dispute letters to Equifax regarding an account reported by XXXX XXXX ( Account # XXXX, opened XX/XX/XXXX ). The account is reported as " settlement accepted on this account '' with a {$0.00} balance and a last payment date of XX/XX/XXXX, yet it includes derogatory marks such as " at least XXXX XXXX or more than XXXX payments past due '' as of XX/XX/XXXX. I disputed these inaccuracies, requesting documented evidence of verification as required by the Fair Credit Reporting Act ( FCRA ). Equifax responded to both disputes, claiming the information was " verified, '' but provided no documentation or evidence to support the verification process, despite my requests under 15 USC 1681i ( a ) ( 7 ) .The issues and violations include : Inaccuracy ( 15 USC 1681e ( b ) ) : The " 120 days past due '' status is inconsistent with the settled status and {$0.00} balance, violating the FCRAs requirement for maximum possible accuracy. The credit report screenshot ( dated XX/XX/XXXX ) shows conflicting statuses across bureaus ( e.g., TransUnions " settled ; less than full balance, '' Experians " legally paid in full, '' Equifaxs " past due '' ), supporting this claim.

Unverifiable Information ( 15 USC 1681i ( a ) ) : Equifax failed to provide verifiable evidence ( e.g., signed contract, chain of title, payment history ) to substantiate the past due st
atus, as requested in both dispute letters.

FCRA Furnisher Obligations ( 15 USC 1681s-2 ) : XXXX XXXX has not ensured the accuracy of reported data, as the inconsistent reporting ( past due vs. settled ) suggests a failure to investigate thoroughly, per XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
FDCPA Violation ( XXXX XXXX XXXX ) : XXXX XXXX has not provided a debt validation notice to justify the derogatory reporting, which is improper under the Fair Debt Collection Practices Act if they are a debt collector. 
Obsolete Information ( XXXX XXXX XXXX ) : The last activity date ( XX/XX/XXXX ) and last payment ( XX/XX/XXXX ) indicate the derogatory marks are outdated, yet Equifax continues to report them as of XX/XX/XXXX, violating FCRA reporting timelines. 

Despite my good-faith efforts, Equifax and XXXX XXXX have not corrected or removed the inaccurate and unverifiable information, causing harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 XXXX 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 if the person knows or has reasonable cause to 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 2025-07-17 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : 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 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 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

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 2025-07-17 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number * * UPDATE THIS * * *. Please block and remove all information from my credit report, and send me an updated copy of my credit report.

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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