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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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: NC

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverified information that Equifax is reporting on my consumer credit file. Despite prior disputes, Equifax continues to report information that I believe is incomplete, inaccurate, and not properly verified, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Charged-Off Accounts Equifax is reporting the following charged-off accounts : XXXX XXXX XXXX ( Account XXXX XXXX ) Date opened XX/XX/XXXX Balance {$10000.00} XXXX XXXX ( Account ending XXXX  ) Date opened XX/XX/XXXX Balance {$4300.00} XXXX XXXX XXXX ( Account XXXX XXXX ) Date opened XX/XX/XXXX Balance {$1500.00} I dispute these accounts because Equifax has failed to provide competent verification showing the accuracy of the balances, the dates reported, and the charge-off status. No original contract, payment history, or proof of legal obligation has been provided. If these accounts can not be fully verified, they must be deleted. 

Inquiries Equifax is reporting inquiries that I do not recognize and did not authorize, including but not limited to : Midnight ( XX/XX/XXXX, XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) These inquiries were not authorized by me or were the result of improper multiple pulls. I am requesting Equifax to either provide proof of authorization or remove them immediately. 

Late Payments Equifax is also reporting late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I dispute the accuracy of these late payment notations. Equifax has not provided evidence that these late payments are accurate, complete, or reported in compliance with the FCRA. 

I am requesting that Equifax conduct a reasonable reinvestigation and delete all information that can not be properly verified.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint to dispute several inaccuracies on my credit report across all three credit bureaus. Below are the details of the accounts I am disputing. I request that these disputes be investigated and rectified as per the Fair Credit Reporting Act ( FCRA ). 

I am disputing the following accounts on my TransUnion credit report : Charged Off 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 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I found something extremely alarming someone has been using my name to open a fraudulent account without my knowledge. These fraudulent accounts were absolutely not authorized by me at any time, and Im deeply worried because this is clearly a case of identity theft. Im asking and expecting that you take immediate action to REMOVE and BLOCK these unauthorized fraudulent accounts from my credit report. 
DEPTEDXXXX, date opened XX/XX/XXXX, DEPTEDXXXX, date opened XX/XX/XXXX, XXXXNELNET date opened XX/XX/XXXX, XXXX date opened XXXX. XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquiried on XX/XX/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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
A few weeks ago I reviewed my credit report and discovered several accounts and hard inquiries that I never authorized. There is no document proving that I ever gave permission for these entities to access my information or report anything on my file. 
When I saw this, I became concerned because it had already affected me without my knowledge. I was denied a loan I needed, and on another financing I received a higher interest rate than I should have. I was being harmed by this situation. 
I did what the law requires I filed a report with the FTC and submitted it directly to the credit bureau. Under FCRA 605B, when a consumer submits that report, the bureau has four business days to block the disputed information, unless it can prove with actual documentation that the consumer authorized those accounts. In my case, that proof does not exist, because I never authorized anything. 
Despite completing the entire process, the information is still appearing on my report. The bureau has not shown me any evidence that I authorized those accounts or inquiries. 
Furthermore, FCRA 604 is clear : no one can access my credit history without a permissible purpose. These inquiries were made without my consent and without any legitimate business relationship with me. 
And FCRA 607 ( b ) requires bureaus to maintain reasonable procedures to ensure that information is accurate. The fact that they continue to report accounts and inquiries with no documentary support shows that those procedures are not working.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express National Bank is willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( FCRA 605B ) and 1681s-2 ( 623 ).

I reported one or more American Express accounts associated with my name and my business, XXXX XXXX XXXX XXXX, as identity theft. American Express received : A completed FTC Identity Theft Affidavit A police report Written disputes asserting lack of authorization Multiple prior CFPB complaints A formal certified legal notice explicitly prohibiting transfer to collections Despite this, American Express failed to resolve the fraud, failed to substantively respond to CFPB complaints, and reported the account to a third-party collection agency, which now appears on my XXXX  credit report. 

This conduct occurred after American Express received identity theft documentation and formal legal notice. 

Under FCRA 605B, once an identity theft report is received, a furnisher must block reporting, cease collection activity, and may not transfer or assign the debt. American Express did the opposite. 

This is not a clerical error or negligence. It is post-notice, willful noncompliance.

American Expresss actions have caused financial harm, credit damage, and unnecessary escalation, and constitute unlawful collection activity on a fraudulent account. 

I am requesting CFPB enforcement intervention and immediate corrective action.

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: PR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
They keep calling and I hang up because it wasnt me

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: FL

Complaint narrative:
I noticed multiple inaccuracies across all three of the credit bureaus from creditor XXXX XXXX. These inconsistencies demonstrate a failure to maintain maximum possible accuracy as required by FCRA 1681e ( b ). The reporting of contradictory data constitutes misleading representation of the alleged obligation and violates FDCPA 1692e. Additionally, the continued dissemination of inaccurate consumer financial data reflects a failure to safeguard information in compliance with the Gramm-Leach-Bliley Act.

A charge-off is a one time event not something that can be reported over and over again. Reporting inaccurately is both misleading and harmful and drags my credit down unfairly.

Im asking for the XXXX XXXX account to be completely removed from my credit report PERMENANTLY.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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: 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 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing the following accounts listed under my Equifax credit report. These accounts are being reported inaccurately, and I am requesting they be investigated and updated accordingly. 

Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Inquiries : XXXX XXXX  Date : XX/XX/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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding continued reporting of inaccurate, unverified, and unauthorized credit information on my consumer credit report. Despite multiple written disputes submitted directly to the credit reporting agencies and furnishers, the disputed items remain unchanged. This complaint represents my third formal attempt to resolve these violations. The failure to properly investigate and correct these errors constitutes ongoing non-compliance with the Fair Credit Reporting Act. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ), 1681 ( b ), 1681e ( b ), and 1681i, consumer reporting agencies and data furnishers are legally required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. These obligations have not been met in my case. 
ACCOUNT IN DISPUTE XXXX Account Number : XXXX High Balance : {$7300.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : This account has not been properly validated. No competent evidence has been provided showing my contractual liability, complete payment history, or lawful basis for the charge-off designation. Reporting a charge-off without full verification violates FCRA 1681e ( b ) and 1681i. This item must be deleted or corrected immediately if it can not be fully substantiated. 
ACCOUNT IN DISPUTE XXXX XXXX Account Number : XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : The charge-off status is being reported without proof of accuracy, proper accounting, or documentation demonstrating compliance with FCRA requirements. Repeated failure to correct or delete this inaccurate reporting after prior disputes reflects an unreasonable reinvestigation process. This tradeline must be removed or corrected without further delay. 
UNAUTHORIZED HARD INQUIRIES IN DISPUTE XXXX Inquiry Date : XX/XX/XXXX Issue : Duplicate and unauthorized inquiry with no lawful basis. This inquiry must be removed as it is inaccurate and unverifiable. 
The continued presence of these items after repeated disputes demonstrates a pattern of inadequate investigation and disregard for federally protected consumer rights. I am requesting CFPB intervention to require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act by either providing full verification or permanently deleting the disputed items. 
I respectfully request that CFPB review this matter and require immediate corrective action, including deletion or accurate correction of all disputed accounts and inquiries, along with written confirmation of compliance.

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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: IN

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 there 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