vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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:
I am submitting this dispute regarding the accounts listed below, as they contain inaccurate information on my credit report. I request that the accounts be corrected and the inaccurate entries be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$72.00} Inquiries : XXXX - XX/XX/XXXX Late Payment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am a verified victim of identity theft. My consumer credit file contains multiple accounts that I did not open, did not authorize, did not sign for, did not benefit from, and have no factual or legal relationship to whatsoever. These accounts were fraudulently created using my personal identifying information without my knowledge or consent. 

I timely submitted a valid FTC Identity Theft Report along with supporting documentation establishing that these accounts are the direct result of criminal identity theft. Despite receiving legally sufficient proof, you failed to conduct a lawful and reasonable investigation and failed to block and delete the fraudulent information as required by federal law. 

Your continued reporting of these accounts is unlawful. Once an account is identified as identity-theft-related and supported by an FTC Identity Theft Report, the Fair Credit Reporting Act mandates immediate blocking and permanent removal. There is no discretion, no delay, and no justification for continued reporting or verification of fraudulent data. 

Your failure to comply constitutes willful non-compliance with the Fair Credit Reporting Act, including but not limited to violations of your duties to ensure maximum possible accuracy, to conduct reasonable investigations, and to block identity-theft information upon proper notice. This misconduct has caused substantial financial harm, damage to my creditworthiness, denial of credit opportunities, and ongoing emotional and reputational distress. 

This notice serves as formal documentation that you are fully aware of the identity theft, the fraudulent nature of the accounts, and your continuing violations of 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 2025-12-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX ran my credit for application XXXX. I never went to XXXX for any loan or application. I went to XXXX XXXXXXXX for a lease. Lease was approved XX/XX/year>. They ran my credit after my lease. They said they double ran the credit on XX/XX/XXXX why does their records state the credit was denied on the XXXX then. Totally fishy.

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 2025-12-29 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: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : [ No charged-off accounts listed ] Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to formally request the correction and deletion of inaccurate personal information currently reported in my credit file. Upon reviewing my credit report, I have identified discrepancies that must be addressed immediately to ensure compliance with federal law and to protect my creditworthiness and identity verification processes. 
CONSUMER BACKGROUND As a consumer exercising my rights under FCRA Section 611 ( a ), I am entitled to have only accurate, complete, and verifiable information in my credit report. Any inaccurate or outdated personal information directly affects my ability to obtain credit, secure housing, and pass identity verification checks. Therefore, I respectfully demand the correction of the following items : ITEMS REQUIRING CORRECTION XXXX. Outdated Address Information Currently Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Correct Current Address : XXXX XXXX XXXX XXXX Consumer Note : My current residence is verified through the enclosed utility bill and bank statement. The outdated address must be removed to prevent confusion and inaccurate identity checks. 
2. Obsolete Employment Data Currently Listed : XXXX XXXX XXXX XXXX XXXX Correct Status : I am no longer an employee of this company. 
Consumer Note : This information is outdated and no longer reflects my current employment situation. Maintaining obsolete data violates the accuracy and completeness requirements of the FCRA. 
FCRA COMPLIANCE REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully demand that Experian : Conduct a reinvestigation of these disputed items within 30 calendar days, as mandated by federal law. 

Correct and update my personal information to reflect accurate, verifiable, and current data. 
Permanently delete any and all incorrect name variations from every file associated with my credit report. 

Provide me with written confirmation of all corrections, deletions, and updates made. 
Send me an updated copy of my corrected credit report at no charge, as required by the FCRA once a dispute has been resolved. 

SUPPORTING DOCUMENTATION To assist your reinvestigation and expedite compliance, I have enclosed the following documents as verification : Government-issued photo ID ( Drivers License/State ID ) Current utility bill showing present address Bank statement confirming current address and phone number Recent phone bill verifying my current contact number

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 2025-12-29 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:
I found a XXXX account for {$350.00} on my credit report that I have no idea about and it is late and the account was opened on XXXX. when I contacted XXXX and told them that I never used XXXX before. they confirmed that I never had any accounts or purchases under my information that I provided them and that I have to dispute it with the XXXX XXXX 
I did a dispute with Transunion on XX/XX/year> and after their investigation for 30 days the result came back that the account is accurate. 
I went ahead and contacted XXXX again through chat and they confirmed again that I have no purchases or an account under my Info with this purchase.

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 2025-12-29 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:
I found a XXXX account for {$350.00} on my credit report that I have no idea about and it is late and the account was opened on XXXX. when I contacted XXXX  and told them that I never used XXXX before. they confirmed that I never had any accounts or purchases under my information that I provided them and that I have to dispute it with the XXXX XXXX 
I did a dispute with XXXX on XX/XX/2025 and after their investigation for 30 days the result came back that the account is accurate. 
I went ahead and contacted XXXX again through chat and they confirmed again that I have no purchases or an account under my Info with this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: ID

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my ExperianXXXX XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-29 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: KY

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-29 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 submitting this dispute regarding the accounts listed below, as they contain inaccurate information on my credit report. I request that the accounts be corrected and the inaccurate entries be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$930.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Balance : {$3000.00} Inquiries : 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 2025-12-29 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXXXXXX XXXX XXXX -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXXXXXX XXXX XXXX -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am disputing the accuracy and validity of the following information being reported on my Equifax credit file. 

Charged-Off Accounts in Dispute : XXXX XXXX Acct # XXXX Balance {$95.00} XXXX XXXXXXXX Acct # XXXX Balance {$5900.00} XXXX XXXX Acct # XXXX Balance {$590.00} XXXX XXXX Acct # XXXX Balance {$140.00} XXXX XXXX  Acct # XXXX Balance {$11.00} XXXX XXXXXXXX Acct # XXXX Balance {$2400.00} Inquiry in Dispute : XXXX Date : XX/XX/year> I do not recall authorizing this inquiry and request verification or removal if unauthorized. 

Late Payment : XXXX XXXXXXXX Acct # XXXX I dispute the reported late payment as inaccurate. Please provide documentation verifying the delinquency or remove it. 

I request that Equifax investigate and confirm the accuracy of all disputed accounts. Any unverifiable or inaccurate information should be promptly deleted per FCRA Section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I sent a written Cease & Desist notice to Southwest Credit Systems Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act.

I have notified Southwest Credit Systems that I refuse to pay the alleged debt and demanded immediately to cease all further communication with me. 15 U.S.C. 1692a ( 2 ), a communication includes the conveying of information regarding a debt directly or indirectly to any person through any medium..

Despite receipt, the agency has continued collection activity or communication beyond what is legally permitted hurting my chances at credit. 

I request CFPB enforcement and that the agency document compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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