vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
Dear Equifax, I am writing to formally dispute an account listed on my Equifax credit report. The account reported by XXXX XXXX is inaccurate and possibly fraudulent. I request a full investigation under the Fair Credit Reporting Act ( FCRA ) and that this item be corrected or removed as appropriate. 

Account Details : Creditor : World Finance Account Number : [ Insert masked or last XXXX digits ] Status : Derogatory/Inaccurate Date Opened : [ If known ] Balance : [ If known ] Dispute Reason : I have no knowledge of this account and never authorized any agreement with World Finance XXXX 

The account may have been opened in error or due to identity theft.

No documentation has been provided to validate the debt. 

I am requesting that Equifax conduct a prompt and thorough reinvestigation and notify me of the outcome. If the account can not be verified, it must be removed immediately as required by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
I am filing this complaint because the following accounts are still being reported on my TransUnion credit report, despite prior disputes and supporting documentation showing that they are either fraudulent, duplicate, or no longer legally reportable. These accounts continue to XXXX XXXX XXXX XXXX and violate multiple sections of the Fair Credit Reporting Act ( FCRA ). 


XXXX XXXX Reported multiple times with different account numbers. These are duplicate accounts that were XXXX but still listed as XXXX This violates FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ). 
XXXX. XXXX XXXX Bank XXXX more than once and showing inconsistent information. This is a duplicate tradeline, which misrepresents my debt and credit utilization. 
XXXX. XXXX XXXX Texas XXXX This account is being reported inaccurately. I have disputed this previously, and it was either opened without my consent or contains false reporting. No verification has been provided, violating FCRA XXXX and XXXX. 
XXXX. XXXX XXXX This is an XXXX  collection from the XXXX pandemic period. Under federal housing protections and the XXXX XXXX, this debt should not have been reported or collected. No full validation has been provided. 
XXXX. XXXX XXXX XXXX This account appears to be a re-aged or duplicate collection already tied to an older XXXX  account. Continued reporting violates FCRA XXXX ( a ) ( XXXX ) and 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 2025-06-09 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused XXXX XXXX XXXX and has significantly affected XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX with these unresolved discrepancies has been XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my 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 non-monetary relief
Consumer complaint received 2025-06-09 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: GA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
XXXX SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor XXXX not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-06-09 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:
XXXX reaching out to dispute an item thats been reported on my credit file, and I need this addressed immediately. The information in question is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ) specifically, it fails the standard of maximum possible accuracy as required under federal law. 

I take my credit and financial history seriously, and I monitor my report regularly. Upon reviewing it, I noticed this particular item contains either incorrect, incomplete, or misleading details that dont accurately reflect my history or activity. That is not just a clerical issueits a legal one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. XXXX XXXX :. My correct Employer is : XXXX XXXX XXXX Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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.

Complaint narrative:
I've been through a nightmare ever since i was a victim of identity theft, i found some accounts and elements on my credit report that dont belong to me. This situation has been taking over my health and peace since i have not been able to get rid of all these items and i dont know what else to do. These are the items mentioned : XXXX XXXX XXXX XXXX XXXX, account number XXXX - mortgage - opened on XXXX. XXXX XXXX - XXXX loan - opened on XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX - mortgage - opened on XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX - mortgage - opened on XXXX. INQUIRIES : EQUIFAX MORTGAGE SERVI, Inquired on XX/XX/XXXX. EQUIFAX MORTGAGE SERVI, inquired on XX/XX/XXXX. EQUIFAX MORTGAGE SERVI, inquired on XXXX XXXX, XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX. EQUIFAX MORTGAGE XXXX, inquired on XX/XX/XXXX. EQUIFAX MORTGAGE XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on XX/XX/XXXX. XXXX - XXXX, inquired on 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reaching out to dispute an item thats been reported on my credit file, and I need this addressed immediately. The information in question is not being reported in compliance with the Fair Credit Reporting Act ( FCRA ) specifically, it fails the standard of maximum possible accuracy as required under federal law. 

I take my credit and financial history seriously, and I monitor my report regularly. Upon reviewing it, I noticed this particular item contains either incorrect, incomplete, or misleading details that dont accurately reflect my history or activity. That is not just a clerical issueits a legal one.

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 2025-06-09 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-09 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused XXXX XXXX XXXX and has significantly affected XXXX XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX  with these unresolved discrepancies has been XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX P.O. XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing in response to your recent communication regarding the debt you claim I owe. Pursuant to the Fair Debt Collection Practiced Act, XXXX XXXX XXXX, I am requesting validation of this debt. 
I am requesting the following information : XXXX. The amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. XXXX that you are license to collect debt in my state. 
XXXX. Proof that the statue of limitation on this debt has not expired. 
XXXX. Documentation showing that I agree to pay this debt. 
Please provide the request validation within XXXX days from the date of this letter. Until I receive adequate verification, I expect all collection activities to cease Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Southwest Credit Systems ( SWC ) has ceased collection activity and closed the account in their office, I am submitting this formal response to request the removal of this account from my credit report, as permitted and supported by the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. XXXX. No Longer Collecting Reporting Is Inaccurate SWCs response dated XX/XX/year> confirms they are no longer collecting on this debt and have returned the file to XXXX. Under the FCRA ( XXXX XXXX. XXXX ), only accurate, complete, and verifiable information may be reported. Since SWC has ended their involvement, any tradeline associated with them is now incomplete and inaccurate, and should be deleted. XXXX. No Valid Chain of Assignment or Signed Agreement Per the FDCPA ( XXXX XXXX. XXXX ), debt collectors must provide adequate validation when requested, including a full chain of assignment and proof they are legally authorized to collect. In their response, SWC only provided billing statements, not a signed contract or assignment. This failure to establish legal standing further invalidates their reporting. XXXX. XXXX Does Not Report to Credit Bureaus SWC stated that XXXX does not currently have a reporting relationship with the credit bureaus. Therefore, no valid furnisher remains to report this debt. If no party is collecting or reporting this account, it must be removed to comply with FCRA XXXX, which limits the permissible purposes for furnishing credit data. XXXX. State Consumer Law Protections As a resident of XXXX XXXX, I am also protected under SC XXXX XXXX, which requires collectors to respond truthfully and not continue to communicate or report information once they are no longer involved in the debt. Their own admission that the file was returned to XXXX ends their authority. Requested Action : I respectfully request that Southwest Credit Systems and/or the credit bureaus : Delete all tradelines associated with this collection account from my credit reports ( XXXX XXXX XXXX ) XXXX Confirm in writing that this account has been removed from all reporting systems ; Cease all further communication regarding this matter unless it involves removal confirmation. Thank you for your assistance in protecting my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : Self Employer Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.

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 2025-06-09 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: NJ

Complaint narrative:
My credit is extremely important to me, and I have serious concerns about the inaccurate information showing on my report. These errors are causing ongoing stress, especially when Im denied credit for things I should qualify for.

Company response to consumer: Closed with non-monetary relief