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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent account from my credit report due to identity theft. This account was opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by XXXX XXXX. XXXX ( a ). I became aware of the breach of my personal information through the Transunion data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Creditor Name : XXXX Partial Account Number : XXXX Date Opened : XX/XX/2019 Reported Balance : {$700.00}

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Ive personal information was leaked in multiple data breaches including equifax every other month I have inquiries I didnt not authorize or have any knowledge of. My personal information was shared without my consent below are the new inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: MO

Complaint narrative:
Ive personal information was leaked in multiple data breaches including equifax every other month I have inquiries I didnt not authorize or have any knowledge of. My personal information was shared without my consent below are the new inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: WI

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 : Account Name 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 Experian XXXX XXXX XXXX XXXX Experian

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Despite submitting a valid identity theft affidavit and an official XXXX report, Experian falsely claimed I did not submit a valid law enforcement report. I also provided government-issued ID and supporting documents. The account in question a fraudulent XXXX XXXX tradeline opened without my authorization had previously been blocked per FCRA 605B after my initial identity theft claim.

In violation of FCRA 1681i ( a ) ( 5 ) ( B ), Experian allowed XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to reinsert the tradeline without providing proper notice in writing within XXXX business days, as legally required. Experian also continues to deny the validity of the XXXX report even though the FTC clearly states it is a valid law enforcement submission. This behavior is both negligent and obstructive. 

am the victim of identity theft involving a fraudulent XXXX XXXX account issued by XXXX XXXX XXXX XXXX. Despite submitting a valid FTC identity theft affidavit, an official XXXX report, and supporting ID documentation, both Experian and XXXX XXXX continue to violate the Fair Credit Reporting Act. 

Experian previously blocked this tradeline under FCRA 605B, but later reinserted it without providing me written notice within XXXX business days, violating FCRA 1681i ( a ) ( 5 ) ( B ). Experian then falsely claimed I did not provide a valid police report, despite the clear validity of the XXXX report under federal standards. 

At the same time, XXXX XXXX has claimed I remain liable for the account, despite having received a fraud affidavit and law enforcement report. I have uploaded emails showing XXXX XXXX denying my identity theft claim and continuing to pursue collections a direct violation of the FDCPA and FCRA 623 ( a ) ( 6 ). This is deceptive, harassing, and retaliatory. 

I am re-uploading the affidavit and XXXX report here as part of this complaint, since both parties seem to be ignoring federal law.

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 status incorrect
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to Experian to challenge several negative accounts reporting inaccurate and inconsistent information on my credit report. To fully comply with Experians identity verification requirements, I included a copy of my government-issued ID and a valid proof of address with the dispute letter.

However, instead of conducting a reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), Experian responded with a letter dated XX/XX/year>, stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request.

This response is a direct violation of my rights under Section 611 of the FCRA ( 15 U.S. Code 1681i ), which mandates that : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

I affirm that I personally mailed the dispute, verified my identity, and followed all appropriate procedures. Experians claim that the request was unauthorized is baseless and appears to be an attempt to avoid their legal obligation to investigate disputed information.

As of today, Experian has failed to conduct the required reinvestigation, causing continued harm to my credit profile due to inaccurate reporting.

To further attempt to resolve this, I am including with this complaint a second dispute letter dated XX/XX/year>, once again demanding a proper investigation and correction or deletion of the disputed information, in accordance with the FCRA.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased seven evaporative coolers from XXXX XXXX online and was charged for thirteen coolers. I paid for the seven I ordered and filed a dispute for {$4100.00} which was the amount overcharged for my one and only order for coolers and is the cost of six coolers. I received the seven coolers delivered by XXXX XXXX in two deliveries, first contained one cooler and the 2nd, five days later, contained six coolers. Apparently XXXX XXXX thought that seven coolers were delivered on the first delivery as indicated and after that they created an additional order in error for six more coolers which had already been delivered on the second delivery and then added the overcharged amount to my account in error. I filed a dispute and that was denied so I paid the {$4100.00} in order to prevent potential adverse effects on my credit.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX Date : 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I received a call from XXXX XXXX XXXX XXXX requesting that I pay them an amount of {$330.00} which they allege I owe to XXXX XXXX XXXX of NY from XXXX. When I relocated I changed my mailing address via USPS and never received notice of this alleged debt. I advised the person who contacted me that we are now in XXXX which means the statute of limitations has expired. The person advised me that they had just received the debt 35 days ago and I in turn again referenced the statute of limitations in XXXX which is six years for debt collection. I further advised that I filed for bankruptcy in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WI

Complaint narrative:
I opened the account with US bank. I deposited a check for {$190000.00}. After three days, the check cleared.. I was told that there was a hold on the check. And I could not withdraw any funds.

I was later told that the check was fraudulent, even though it was a legitimate check.

The initial check was deposited 75 days ago. 
The bank manager from XXXX XXXX US Bank continues to say that check will be sent back to the sending Bank. he has threatened to have me arrested. If I come into the branch, I still have an account there until the funds are sent back. I need help because the funds are still in the account.

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: CA

Complaint narrative:
In XX/XX/2025, I submitted a written dispute to Experian and followed up via phone in XX/XX/2025. I provided a notarized ID and utility bill. As of XX/XX/2025, no corrections have been made, which violates FCRA 1681e ( b ), 1681i ( 5 ), and 609 ( a ). The following accounts must be permanently deleted due to inaccurate, incomplete, or unverifiable information : XXXX XXXX / XXXX XXXX ( {$9300.00} ) No signed contract or chain of custody provided. 
Violation : FCRA 609 ( a ) ( right to original documentation ), 602A ( unauthorized collection ). 

XXXX XXXX XXXX XXXX XXXX XXXX tradelines with inconsistent balances and reporting. 
Violation : FCRA 607 ( b ) ( accuracy of reinvestigated information ). 

XXXX XXXX XXXX ( {$16000.00} ) No loan agreement or valid verification submitted after dispute. 
Violation : FCRA 609 ( a ), 1681i ( 5 ) ( A ) ( failure to verify or delete ). 

XXXX Charged-off status shown after full payoff ; red marks remain.

Violation : FCRA 1681e ( b ) ( reasonable procedures to assure accuracy ). 

XXXX ( {$7700.00} ) Settled account shows ongoing charge-off status and delinquency. 
Violation : FCRA 607 ( b ), 1681e ( b ) ( furnisher accuracy obligations ). 

XXXX Defaulted private loan, no debt validation after request. 
Violation : FCRA 609 ( a ), FDCPA 809 ( b ) ( failure to validate ).

Hard Inquiries XXXX, XXXX, and XXXX accessed my report without authorization in early 2025. 
Violation : FCRA 604 ( permissible purpose ).

Experian has not fulfilled its reinvestigation obligations.

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: TX

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under XXXX XXXX. XXXX, and I will not tolerate these illegal actions. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of XXXX XXXX. XXXX ( a ) ( XXXX ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of XXXX XXXX. XXXX ( A ) ( XXXX ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under XXXX XXXX. XXXX, and I will not tolerate these illegal actions. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of XXXX XXXX. XXXX ( a ) ( XXXX ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of XXXX XXXX. XXXX ( A ) ( XXXX ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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