vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: VT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-26 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: VT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Credit Control, LLC
State: OR

Complaint narrative:
I am submitting this complaint against Credit Control LLC for violations of the Fair Credit Reporting Act ( FCRA ) involving the unlawful reporting and reinsertion of a fraudulent debt that resulted from identity theft. 

I am the victim of identity theft involving a fraudulent account originally attributed to XXXX XXXX Bank. I contacted XXXX XXXX Bank directly on multiple occasions, and they confirmed that the account was fraudulent and did not belong to me. Based on these confirmations, I filed an FTC Identity Theft Report, a prior CFPB complaint, and a complaint with the Oregon Attorney General. 

As a result, the fraudulent account was successfully disputed and deleted from my credit reports with XXXX XXXX and XXXX. Despite these deletions, the debt was later sold, transferred, and reassigned among third-party debt collectors, eventually being acquired by Credit Control LLC . 

Credit Control LLC acquired or purchased this debt after it had already been deleted as fraudulent and without any lawful proof that the debt belonged to me. I repeatedly demanded validation, including a copy of the original contract and proof of my wet-ink signature. Credit Control LLC failed to provide any such documentation and failed to establish any lawful obligation. 

Despite knowing or having reason to know that the debt was fraudulent, Credit Control LLC reported and/or attempted to report this false information to consumer reporting agencies, causing damage to my credit, emotional distress, and financial harm. 
Credit Control LLC violated multiple provisions of the Fair Credit Reporting Act, including but not limited to : Furnishing information it knew or should have known was inaccurate ( 15 U.S.C. 1681s-2 ( a ) ) Failing to conduct a reasonable investigation after receiving notice of dispute ( 15 U.S.C. 1681s-2 ( b ) ) Reporting obsolete, inaccurate, and unverified information ( 15 U.S.C. 1681c ( a ) ) Unlawfully reinserting previously deleted fraudulent information without certification or required consumer notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ) Once a debt has been deleted as fraudulent, it can not be lawfully reinserted without strict statutory compliance. Credit Control LLC did not certify the accuracy of the debt and did not notify me within five business days, as required by law. 

Additionally, by publishing false statements to consumer reporting agencies alleging that I owed a debt that did not exist, Credit Control LLC harmed my reputation and creditworthiness and acted with reckless disregard for the truth.

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 2025-12-26 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:
The items that such as the letter, along with my identifying items, proof of address as well as the police report I sent via certified mail to XXXX. this is a Dispute and Request for Immediate Removal of Fraudulent Accounts -Identity Theft XXXX, I am writing to formally dispute and request the immediate removal and blocking of fraudulent accounts appearing on my credit report. These accounts are the result of identity theft, as documented in the enclosed police report. Please find attached:1.A copy of the police report filed regarding the identity theft. 2.A copy of my government-issued ID and proof of address 3.A list of the fraudulent accounts to be removed. List of Fraudulent Accounts : XXXX XXXX XXXXXXXX XXXX  XXXX  Acct #, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting that the following fraudulent accounts be blocked from my credit report within four ( 4 ) business days of your receipt of this request. These accounts were opened and/or used without my knowledge or authorization. Under federal law, you are required to block this information from my credit file once you have received : A copy of an identity theft report ( included ), Proof of my identity ( included ), and My written request to block the disputed items ( this letter ). Additionally, I request confirmation in writing that the fraudulent items have been removed and that no further negative actions will be taken based on them. Please also ensure that these items are not reinserted into my credit report in the future. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please see attachment Also please read I am submitting this formal complaint regarding inaccurate, unverifiable, and improperly reported information appearing on my consumer credit reports with Equifax, Experian, and TransUnion. Despite maintaining accounts that are currently paid, settled, or otherwise in good standing, my credit reports continue to reflect unauthorized hard inquiries, inaccurate late payment notations, and account statuses that do not meet the accuracy and fairness standards required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ), 1681b, and 1681s-2.

Hard Inquiries- My credit reports list multiple hard inquiries that I did not authorize, that lack permissible purpose, or that can not be properly validated under 15 U.S.C. 1681b. These inquiries are negatively impacting my creditworthiness and remain despite disputes. I am requesting that all unverifiable or unauthorized hard inquiries be permanently removed from my credit reports. 

Late Payments - Several accounts reflect late payment histories that are inaccurate, misleading, or incomplete. Some accounts are currently paid as agreed, closed with XXXX balance, or otherwise resolved, yet continue to report derogatory payment history. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to report information with maximum possible accuracy. Reporting late payments without complete documentation or where payments were made, deferred, or otherwise resolved is a violation of this requirement.

I am requesting the removal of inaccurate late payment entries and correction of any accounts that should reflect paid as agreed or current status. Account Status Corrections Certain accounts remain reported in a negative or misleading manner despite being : Paid Settled Closed in good standing Not delinquent Under 15 U.S.C. 1681 ( c ) ( 2 ) and 1681e ( b ), continued reporting of outdated or misleading account statuses is not permissible.

I am requesting that all applicable accounts be updated to accurately reflect good standing, paid as agreed, or removed where 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 non-monetary relief
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
I submitted a formal written dispute to this credit bureau via certified mail regarding inaccurate and fraudulent information on my credit report. 

I included a police report and an FTC Identity Theft Affidavit, as required under the Fair Credit Reporting Act.

Despite proper notice, the bureau failed to : Conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ) Maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Block identity theft accounts upon receipt of valid documentation ( 15 U.S.C. 1681c-2 ) The bureau either failed to respond within 30 days or improperly verified fraudulent information without providing evidence.

I am requesting immediate deletion of the disputed items and full compliance with 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 2025-12-26 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: OH

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustrating they are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigation not a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-12-26 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: OH

Complaint narrative:
Despite repeated attempts to resolve these matters, XXXX  continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustrating they are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigation not a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-12-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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 submitting this follow-up complaint to address ongoing inaccuracies and inconsistencies on my credit reports from TransUnion and Experian regarding a XXXX XXXX charge-off account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$720.00} ), which continue to negatively affect my credit standing. Both bureaus are reporting conflicting Dates of First Delinquency, impacting the legally allowed reporting period and violating FCRA 623 ( a ) ( 5 ), while the shifting balance information and inconsistencies in the account record constitute furnishing of information that is not accurate or verifiable under FCRA 623 ( a ) ( 1 ) ( A ). Furthermore, the inclusion of outdated or improperly aged information raises concerns under FCRA 605 ( a ), as obsolete derogatory data may remain past its permitted timeframe. Most significantly, TransUnion and Experian have failed to fulfill their duty under FCRA 607 ( b ) to follow reasonable procedures to ensure maximum possible accuracy, as the reported details have changed multiple times without proper explanation or documentation. These errors and inconsistencies continue to interfere with my ability to obtain credit fairly, creating significant confusion and distress as I attempt to reconcile my financial history.

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 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SN SERVICING CORPORATION
State: OH

Complaint narrative:
I have made my mortgage payments on time each month ; however, my loan servicer, SN Servicing Corporation, has failed to properly credit and/or record my payments beginning in XX/XX/year> Despite timely payments being made and cleared from my bank account, my account history does not accurately reflect those payments. This has caused my loan records and credit reporting to be incorrect and has negatively impacted my credit profile. 

I have documentation showing that all payments were made as agreed, including bank statements and payment confirmations. I am requesting that SN Servicing Corporation fully investigate this matter, correctly apply all payments to my account, update my payment history, and correct any inaccurate credit reporting resulting from this issue. 

I am seeking a complete and accurate accounting of my loan, written confirmation that my payments have been properly credited, and correction of any related errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AZ

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$20000.00} charge off, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2025-12-26 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: NY

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files.

I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-12-26 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: WI

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unverifiable information currently reflected on my credit file, which I dispute under the Fair Credit Reporting Act, including the charge-off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$0.00} and the collection account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$540.00}, both of which I dispute for accuracy and completeness, as these accounts are inaccurate, incomplete, or unverifiable and negatively affect my credit profile ; additionally, multiple hard inquiries appear on my account without my proper authorization or verification, including XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, all of which I dispute and request proper verification, documentation , and removal if unverifiable to ensure the accuracy and integrity of 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