vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-28 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: TX

Complaint narrative:
My credit report shows multiple inquiries that I do not recognize. I never gave permission to these companies to access my credit report, nor did I apply for any credit with them. I take my privacy and consumer rights very seriously, and having them violated like this is unacceptable. This situation adds unnecessary XXXX to my already challenging life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XX/XX/year> XXXX XXXX XXXX To : EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of All Negative and Inaccurate Information Under FCRA ( 15 U.S.C. 1681i, 1681c ) Dear Credit Bureau Representative, I am writing to formally dispute and request investigation into all negative, inaccurate, outdated, or unverifiable information currently appearing on my credit report. This request is being made under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to ensure that all information they report is accurate and verifiable.

Upon reviewing my credit report, I found several negative entries that I believe to be inaccurate, incomplete, or can not be properly verified. I am requesting that your office conduct a reinvestigation and provide documentation validating each negative account.

Please verify that each negative item meets the standards of accuracy and completeness required under FCRA 1681e ( b ) and that no outdated information ( older than seven years, per 1681c ) remains on file.

If you are unable to verify any of these items within the timeframe mandated by law ( 30 days from receipt of this letter ), I am requesting that they be deleted from my credit report immediately.

Please send me written confirmation once your investigation has been completed, including a copy of my updated credit report.

Attached : Copy of my government-issued ID Proof of address ( utility bill or bank statement ) Copy of the disputed credit report with negative items highlighted Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
In XXXX, funds were fraudulently transferred via wire from our bank account. We realized this in less than 30 minutes. In that time frame USAA Bank had authorized a wire transfer of {$5600.00} from our bank account. They never opened a legitimate investigation instead were strung along and lied to for months stating that it was under investigation. After a couple months of us contacting them, my husband, the Veteran, was told if we want our money back, we would need to get an attorney. The funds stolen was all we had in our account at the time. To not default, we had to use credit cards while they investigated the account, due to direct deposits not going through. USAA not only allowed our money to be fraudulently taken in less than 30 minutes, but they refused to investigate or file a claim with the FDIC. We were lied to by the very institution that is supposed to protect and insure our money. We have filed complaints with every institute possible and continue to contact the CEO office.

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 2025-10-28 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: PA

Complaint narrative:
TransUnion was informed of identity theft that i have experienced in 2019. I informed them I have never done business with XXXX XXXX, XXXX XXXX, XXXX, nor XXXX XXXX. Remove XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX from my credit report and block them from report. I did not give them authorization to report. Nor have I done business with them.

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 2025-10-28 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: PA

Complaint narrative:
XXXX  was informed of identity theft that i have experienced in 2019. I informed them I have never done business with XXXX XXXX, XXXX XXXX, XXXX, nor XXXX XXXX. Remove XXXX Bank XXXX XXXX and XXXX XXXX XXXX from my credit report and block them from report. I did not give them authorization to report. Nor have I done business with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AZ

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX  data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX  data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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 2025-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Management Location Services Inc.
State: TX

Complaint narrative:
I am filing this complaint to report persistent TCPA and FDCPA violations committed by Management Location Services , Inc. while attempting to collect a payday loan. 

I revoked consent for calls and texts on XX/XX/XXXX. Despite this, XXXX continued to send automated calls and text messages to my cellphone. My number has been registered on the XXXX Do Not Call Registry since XX/XX/XXXX. 

After revocation, I have verified at least 12 calls and 4 texts, with more under review. These communications included robocalls, prerecorded messages, and mass group texts, all without prior express consent as required under TCPA ( 47 U.S.C. 227 ). 

Additionally, XXXX repeatedly contacted multiple members of my family ( mother, father, and sisters ) through automated group text messages referencing me by name. This is a serious violation of FDCPA ( 15 U.S.C. 1692c ( b ) ), which prohibits third-party contact except for limited location purposes and only once.

Due to the unlawful nature of these communications, I have already filed a civil action seeking statutory damages. The CFPB complaint is being submitted to ensure regulatory investigation into XXXX  repeated illegal behavior. 

XXXX has since sold the debt ; however, the violations occurred while they were still collecting, so they remain fully responsible for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NV

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-28 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: WV

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-28 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 am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file.

I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise.

Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 seven 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 2025-10-28 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: EQUIFAX, 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-28 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccuracies found in my credit file maintained by XXXX. My name is reported as " XXXX, '' when it should be " XXXX, '' missing letter " XXXX. '' please fix it into " XXXX '' with an " XXXX  '' I request that XXXX  update my credit file to reflect my full and correct name as " XXXX XXXX XXXX XXXX XXXX. '' And also kindly add my accurate employer name is " XXXX XXXX XXXX '' Additionally, there is an inaccurate address listed in my credit file : " XXXX XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at this address, and I kindly request that XXXX  remove this incorrect information from my credit file. My correct and accurate address is " XXXX XXXX XXXX  XXXX, NJ XXXX. '' I ask that XXXX  update my file with this accurate address and remove any incorrect entries to ensure the accuracy of my credit report. 

The continued presence of these inaccuracies on my credit report is negatively impacting my credit standing, and I respectfully ask the CFPB to assist me in resolving this matter promptly. I am aware that the FTC is currently shut down, which is why I am seeking help through the CFPB to ensure my rights are upheld under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XXXX of XXXX I received a XXXX XXXX statement with charges I did not incur. 
I called XXXX and reported fraud, as I had not used my XXXX XXXX XXXX  for years. I opened it in XXXX to purchase furniture which was paid off in time. For some reason, I was receiving bills for store charges. 
I was told to make payments during investigation and I did that. 
XXXX XXXX stores were closed in my area at the time as well. After over 90 days and three payments, I prevailed in the investigation and was sent a refund check. I assumed that was the end of it. I have continued to receive bills with late fees since, totalling over XXXX. 
Experian reported this as an unpaid debt. I tried calling XXXX several times because the original charges of just over {$90.00} was never actually settled. To receive a refund check AND have XXXX say they " credited '' my account was not only confusing, made no sense. Stores were long closed so why would a credit I was told to pay be useful unless it was a refund? It's like Who's on XXXX? 
After several attempts to resolve the situation, I filed a dispute with Experian. I was FINALLY able to speak to a person in " fraud dept '' and have all the details. These notes were not recorded properly. I can't get an Experian representative on the phone and XXXX is now calling. They give prompts that go nowhere but a hang up. Experian has literally disappeared and XXXX customer service. This remains on my credit report now. 
Unacceptable. Thank you

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