vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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 a victim of identity theft as a result of the XXXX  Equifax data breach. My personal information was compromised, and multiple accounts were fraudulently opened in my name. I formally disputed these accounts with [ Equifax / Experian / TransUnion ] under FCRA 605B and 611, requesting deletion unless original signed applications, complete payment histories, and IP address records could be produced. 

The bureau marked these accounts as verified without providing the legally required Method of Verification under 611 ( a ) ( 6 ) ( B ) ( iii ). This is a violation of my rights under the FCRA.

Accounts in question : XXXX XXXX XXXX XXXX Repossession XXXX XXXX XXXX XXXX XXXX XXXX Charge-off XXXX XXXX XXXX XXXX Charge-off XXXX XXXX Acct XXXX XXXX Charge-off XXXX XXXX Acct XXXX XXXX ( all three entries ) Collections XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX Acct XXXX XXXX Collection XXXX XXXX XXXX Acct XXXX XXXXXXXX Collection These items are affecting me tremendously and deformation of character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
CFPB Complaint Summary XXXX. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
XXXX. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-08-12 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I'm asking for your assistance to look into accounts that are inaccurately flagged for late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment notationsplease remove them and update the accounts to show the positive status we agreed on. The account marked delinquent is also incorrect and needs to be disputed and changed to reflect on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX and XXXX XXXX. XXXX, I am requesting that you : XXXX. XXXX and remove all references to this account from my credit file. 
XXXX. Provide me with a copy of the original signed agreement allegedly creating this debt. 
XXXX. Provide the complete account details, including dates of origination, alleged charges, payment history, and any associated documentation showing my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX  Date Assigned : XX/XX/XXXX Original Balance : {$2800.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX  XXXX Balance : {$5100.00} Open date : XX/XX/XXXX XXXX XXXX  XXXX XXXX : {$2900.00} Open date : XX/XX/XXXX XXXX  Open date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Open date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This complaint is in regards to previous complaint XXXX. 

American Express responded saying they will issue me a refund for {$1000.00} in a check mailed to me within XXXX  days of XX/XX/year> but I have not received the check. I called American Express directly and they are no help and said I need the order number from the person that bought the prepaid card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-12 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: AR

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 have no knowledge of these accounts and believe they were opened using stolen personal information. Please remove them after investigating. Ive included evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
This is a formal demand for immediate deletion of inaccurate and misleading information you continue to report despite having investigated this matter multiple times. 

You currently report that my account with XXXX  XXXX XXXX  XXXX XXXX XXXX shows an Original Charge Off Amount of {$780.00} with a Closure Status of XXXX as of XX/XX/XXXX. 

Today, XX/XX/XXXX, I went directly to XXXX and obtained their official transaction summary for the account. Their records show that as of XX/XX/XXXX, the balance was {$770.00}, not {$780.00}, and the activity contradicts your reporting. This proves that the information you have been provided and continue to publish is inaccurate and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, you are required to delete or correct information that is inaccurate, incomplete, or can not be verified. You have already been given opportunities to investigate and have failed to correct this error. 

If this inaccurate account is not deleted from my ChexSystems file within XXXX hours of receipt of this letter, I will initiate legal action against ChexSystems XXXX XXXX for violations of the FCRA and any applicable state consumer protection laws. My claims will include actual, statutory, and punitive damages, as well as attorneys fees. 

You are on notice that continued reporting of knowingly inaccurate information after multiple reinvestigations constitutes willful noncompliance under the FCRA, subjecting you to enhanced damages. 

I expect written confirmation of deletion via email and postal mail. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Copy of ChexSystems report XXXX {$780.00} balance and XXXX  status dated XX/XX/XXXX XXXX Transaction Summary obtained XX/XX/XXXX showing {$770.00} balance

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate XXXX XXXX XXXX. I have consistently made my payments on time, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I wrote a handwritten letter to Transunion, Equifax, and Experian on Date : On XX/XX/2025, I mailed a formal hand-written dispute letter directly to TransUnion, Equifax, and Experian, by me, along with proof of identity and proof of residence in a federally declared disaster area. My dispute included a request for expedited reinvestigation under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX timeline ) and application of the XXXX disaster code to the affected accounts. 
TransUnion received & signed ( XXXX  XXXX  ) my dispute on XX/XX/2025 ; Equifax received & signed ( XXXX XXXX ) my dispute on XX/XX/2025 ; Experian received & signed ( XXXX XXXX ) my dispute on XX/XX/2025, as confirmed by XXXX priority mail with signature tracking. Under the law, they were required to complete the reinvestigation and respond in writing no later than XX/XX/2025. 
Instead, on or about early XX/XX/XXXX, TransUnion sent me a stall letter claiming my dispute did not appear to come directly from me and suggesting that I was working with a credit repair company. This is false. I am not represented by any XXXX XXXX. I wrote, signed, and mailed the dispute personally. 
By law, the XXXX period expired on XX/XX/2025. TransUnion failed to provide verification within that period, meaning the disputed information is inaccurate, unverifiable, and must be deleted immediately under FCRA XXXX ( a ) ( XXXX ) ( A ). They have not applied the XXXX disaster code as required by XXXX XXXX standards, nor have they provided the method of verification I requested. 
CRA 's actions violate : FCRA XXXX ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Failure to complete reinvestigation within the required XXXX days for disaster-area consumers. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to delete information that can not be verified. 
I request the CFPB require TransUnion, Equifax, and Transunion to : Immediately delete all disputed items that were not verified by XX/XX/2025 Apply the XXXX disaster code to the affected accounts. 
Provide written confirmation of deletions and all changes made to my credit file. 
Attachments to CFPB : Original XX/XX/2025 dispute letter XXXX proof of delivery ( XX/XX/2025 ) Copy of TransUnions stall letter Proof of identity & proof of residence in disaster area I found out that Experian was sued by CFPB as well for not conducting investigations in XXXX of this year. Experian uses faulty intake procedures and does not routinely and uncritically accepts the original furnisher 's response to the disputed information.Case XXXX XXXXXXXX

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 2025-08-12 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX XXXX Date : XXXXXXXX XXXX  Date : XXXX XXXX XXXX  XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX, Balance : {$1800.00} XXXX  XXXX XXXX - Account Number : XXXX, Date Opened XXXX XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened XXXX XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief