vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: FL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because my Equifax credit report is currently reflecting negative late payment remarks for two accounts that are both closed and fully paid, with a XXXX-dollar balance and no past due amount. These derogatory notations are not only misleadingthey are unjust, harmful, and have persisted long after the accounts were resolved. 

The accounts in question are : XXXX Account ending in XXXX, reporting a late payment from XX/XX/year>, despite the fact that the account shows no past due balance and has long been paid in full. 
XXXX Account ending in XXXX, showing a late payment from XX/XX/year>, even though the file reflects the account is closed, paid in full, and with a XXXX balance and XXXX past due. 

These entries are dragging down my credit score and unfairly representing my payment history. I worked hard to pay off these accounts and close them responsibly. So to continue seeing them weaponized against me as if they are still derogatory is incredibly disheartening. It affects everythingfrom applying for new credit to qualifying for better loan termsand forces me to explain myself repeatedly to lenders over accounts that should not reflect any form of delinquency. 

I take my financial health seriously. I have always made an effort to clean up and monitor my reports to ensure accuracy. Thats what makes this so exhaustingbeing penalized by a reporting system that continues to allow closed, XXXX-balance accounts to cast a shadow over my credit profile. These types of issues chip away at trust in the credit reporting system and diminish the dignity of consumers who are just trying to move forward. 

I am not alleging identity theft or fraud. However, I do believe these errors may stem from outdated information or systemic mishandling of consumer datapossibly even related to data breaches or third-party reporting failures. Regardless of the cause, Equifax has a legal duty under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), to ensure that all information reported is accurate and up to date. Additionally, 15 U.S.C. 1681i mandates that when a consumer disputes information, the bureau must investigate and remove or correct unverifiable or inaccurate entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 am reporting this issue to request the urgent deletion and blocking of unauthorized accounts listed on my credit report. These accounts were not created, approved, or recognized by me, and I am unaware of their origin. As stated in USC 1681g, I am formally requesting their removal within 15 days. I have attached supporting documentation for further examination. The account information being reported is also inaccurate and varies between credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, Experian, and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly 1 5 U.S.C. 1681c-2, in handling clear documentation of identity theft and fraudulent activity on my credit reports. Despite submitting all required identification and supporting documentation-including a copy of my Louisiana driver 's license and Social Security card-the credit reporting agencies have not blocked or removed the false information from my file. Additionally, I have been unfairly labeled with terms such as " consumer disputes, '' " fraud alerts, '' and notes suggesting that I am engaged in frivolous or underhanded activity.

This is unacceptable, defamatory, and in direct violation of federal law. In accordance with 15 U.S.C. 1681c-2 ( a ), I have provided : 1. Proof of my identity ( driver 's license and SSN card ) ; 2. A statement of identity theft and fraudulent information ; 3. Identification of all false tradelines and inquiries that are not mine.

Still, the following harmful actions remain : - Accounts are marked with narrative codes such as " 022 - Consumer Disputes, '' " 057 - Collection Account, '' and other damaging remarks ; - Public remarks on my Equifax report falsely imply that I submitted frivolous disputes or am associated with fraud ; - Negative items remain, including charge-offs, collections, inquiries, and inaccurate addresses/employers ; - The presence of over a dozen derogatory tradelines I did not authorize,
including but not limited to : - XXXX XXXX XXXX ( multiple entries ) - 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 XXXXXXXX ( Hard inquiries ) These entries are materially harming my ability to obtain credit and are causing personal and professional harm.

Additionally, the only personal information that should appear on my credit reports is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Employer : XXXX XXXX All other addresses, phone numbers, employers, fraud alerts, consumer statements, and notations of dispute or identity theft must be permanently removed. Legal Precedent As established in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), credit bureaus are legally obligated to conduct a meaningful investigation and correct or remove inaccurate data. Mislabeling a legitimate identity theft complaint as " frivolous '' may constitute willful non-compliance under FCRA 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2. I have identified multiple accounts, inquiries, and/or collections being reported on my credit file that I did not authorize and that do not belong to me. These items appear to be the result of identity theft and the unauthorized use or distribution of my personal information.

I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), which outlines all accounts and items in question. Under federal law, I am requesting the immediate blocking and removal of all unauthorized or unverifiable entries from my credit report. As well as All accounts, entries, or personal data across my credit file that are inconsistent, inaccurate, or do not appear identically across all three major credit reporting agencies.

The credit reporting agency has no permissible purpose nor verifiable documentation to continue reporting these disputed items. In accordance with 15 U.S.C. 1681c2, if the agency can not provide substantiated proof of accuracy and authorization, they are legally obligated to delete the disputed information within four ( 4 ) business days of receiving this request.

Attached you will find the following documents to support BOTH disputes : FTC Identity Theft Report A copy of my government-issued ID A copy of my Social Security card Proof of current address A detailed list of the disputed items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2. I have identified multiple accounts, inquiries, and/or collections being reported on my credit file that I did not authorize and that do not belong to me. These items appear to be the result of identity theft and the unauthorized use or distribution of my personal information.

I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), which outlines all accounts and items in question. Under federal law, I am requesting the immediate blocking and removal of all unauthorized or unverifiable entries from my credit report. As well as All accounts, entries, or personal data across my credit file that are inconsistent, inaccurate, or do not appear identically across all three major credit reporting agencies.

The credit reporting agency has no permissible purpose nor verifiable documentation to continue reporting these disputed items. In accordance with 15 U.S.C. 1681c2, if the agency can not provide substantiated proof of accuracy and authorization, they are legally obligated to delete the disputed information within four ( 4 ) business days of receiving this request.

Attached you will find the following documents to support BOTH disputes : FTC Identity Theft Report A copy of my government-issued ID A copy of my Social Security card Proof of current address A detailed list of the disputed items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 respectfully dispute a late payment currently listed on my credit report, which I believe to be inaccurate. I have always maintained timely payments on my accounts, and this error is negatively impacting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: SC

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: SC

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 non-monetary relief
Consumer complaint received 2025-07-08 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: FL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : 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 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 writing to formally dispute a fraudulent hard inquiry that has appeared on my credit report. I did not authorize this inquiry, nor did I initiate any application for credit or services with the entity in question. This inquiry was made without my knowledge or consent, and I suspect that it may be a result of identity theft or unauthorized use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 am requesting that an investigation be opened regarding the inaccurate reporting of these accounts on my credit report. In accordance with USC 1681g, I ask that they be removed within 15 days. Enclosed are the supporting documents for your careful review. In addition, the reported account data is inconsistent across the major credit reporting agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief