vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reporting multiple inaccurate and fraudulent items appearing on my credit report. These accounts and/or inquiries were not authorized by me, and I have attached the documents that support my identity-theft claim. I previously notified all three credit bureaus and the furnishers, but they have not conducted a lawful investigation and have failed to respond within the FCRA mandated timelines. This situation has caused me significant stress, fear, and emotional frustration. It is overwhelming to see fraudulent accounts tied to my name and to feel ignored after doing everything the law requires me to do. These inaccurate items are affecting my ability to move forward financially, care for my family, and maintain stability. I have been trying to correct something I did not create, yet Im the one suffering the consequences. No one should have to fight this hard just to clear their own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern : I am disputing the accuracy, completeness, and ownership of the above-referenced collection accounts currently being reported to TransUnion, Equifax, and Experian under your name. I do not recognize these accounts as valid debts owed to your company. Please treat this letter as a written request for validation and a direct dispute under applicable law. 

Because these are purchased debt accounts, I am requesting the following documentation regarding each account : Complete chain of title showing assignment from the original creditor to XXXX XXXX, including any intermediary transfers. 

The bill of sale including my specific account, not just a generic purchase statement. 

Documentation from the original creditor showing the amount allegedly owed and the date of delinquency. 

A breakdown of the balance you claim is due, including interest or fees applied after purchase.

Verification that the amount reported as the highest balance is accurate and not simply a duplicate of the collection balance.

Until you provide proper validation and proof of ownership, you are required to cease collection activity, including furnishing information to the consumer reporting agencies. If you can not verify these accounts in accordance with federal law, you must delete them and notify TransUnion.

Nothing in this letter is an admission of liability or a refusal to pay. I am requesting information needed to determine whether these accounts are legitimate and accurate. 

Please respond within XXXX ( XXXX ) days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Subject : Complaint Regarding Verification of Derogatory Accounts on Equifax and TransUnion To Whom It May Concern, I am writing to file a complaint against Equifax and TransUnion regarding the verification of several derogatory accounts on my credit reports. 
Details of the Complaint : XXXX. Accounts in Question : Equifax : XXXX accounts XXXX XXXX card services XXXX XXXX card services XXXX XXXX card XXXX XXXX CARD SERVICES XXXX TransUnion : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me and are inaccurately reported. 
XXXX. Previous Disputes : - I have previously disputed these accounts with both Equifax and TransUnion. 
- Each time, the bureaus have confirmed the accounts as " verified '' verbally, but they have not provided any written proof or documentation of the verification process.

3. Comparative Outcome : - Experian has already removed these accounts after my disputes, confirming that they do not belong to me.

4. Request for Action : - I am requesting that Equifax and TransUnion provide written documentation of their verification methods.

- I also request that these inaccurate accounts be removed from my credit reports.

- I also have confirmation from Experian that these accounts were removed.

I appreciate your assistance in ensuring that these inaccuracies are corrected promptly. Thank you for your attention to this matter. 

Sincerely, 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 2025-12-09 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: NY

Complaint narrative:
There isnt any accurate information such as Account numbers

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 2025-12-09 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.
State: TX

Complaint narrative:
After checking my recent report there were multiple accounts reporting still that do not belong to me. These accounts are harming my file.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am submitting cfpb follow up complaint dispute regarding multiple inaccuracies appearing on my Equifax, Experian, and TransUnion credit reports. After a careful and detailed review of my credit data, I have identified significant errors in the reporting of certain open accounts, specifically the late payment history and activity timeline associated with my XXXX  XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and my XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX These discrepancies continue to misrepresent my financial behavior and are inconsistent with my verified payment records, which violates the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), XXXX ( a ), and XXXX ( a ) ( XXXX ), requiring all consumer information to be accurate, complete, and supported by verifiable documentation. Despite my previous disputes, these inaccuracies remain, causing ongoing harm to my creditworthiness. The XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account is incorrectly reported with a balance owed of {$210.00}, and the XXXX  XXXXXXXX XXXX XXXX XXXX XXXX account is reported with a balance owed of {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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.
State: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-09 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:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1.

1.violation of 15 USC 1692g . Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX IN Account Number : XXXX Please remove this inaccurate information In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report. It is my understanding that you will verify these items with the relevant creditor. Please eliminate any information that can not be verified by the creditor. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please provide me with an updated copy of my credit report at the aforementioned address. According to the act, there should be no fee for this updated report. Furthermore, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 
Thank you for your attention and assistance 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: GA

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes accounts that are not mine. I have no connection to these accounts and did not authorize them. I request a thorough investigation and the removal of these accounts from my credit report.

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 2025-12-09 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: PR

Complaint narrative:
The XXXX XXXX collection is NOT mine and does NOT appear in my official Equifax credit file. However, it still appears in third-party Equifax data XXXX XXXX ). Equifax does not allow me to dispute it because it is missing from my official file. This is inaccurate, inconsistent, and unverifiable under FCRA 1681e ( b ) and 1681i. I am requesting immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AZ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
GM Financial placed a hard inquiry on my credit file dated XX/XX/year>, which I did NOT authorize. I did not apply with GM Financial nor give permission for my credit to be pulled. 
Under FCRA 604 ( a ), they need a valid permissible purpose and my consent, which they do not have.

They also can not produce any signed document under FCRA 609 ( a ) ( 1 ) proving authorization.

This inquiry is unauthorized and damaging my credit. I request immediate removal with CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OK XXXX Security Freeze Request XXXX XXXX XXXX XXXXquest that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Had to sign up for a free trial to access credit information from experian. Tried calling. Multiple times to cancel. Billing continued after free trial. No representatives available. No ability to access anything but an automated service to add a payment card. Automated service said no charges billed even though its in my XXXX XXXX card. No ability to cancel service in their website.

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 monetary relief
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-09 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: TX

Complaint narrative:
I HAVE BEEN A VICTIM OF XXXX XXXX SOMEONE HAS USED MY INFORMATION TO OPEN A APARTMENT LEASE UNDER MY NAME FRAUDULENTLY

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