vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
This correspondence constitutes a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I am requesting immediate reinvestigation and corrective action regarding multiple unauthorized accounts and materially inaccurate personal identifiers currently appearing in my consumer credit file. These items have been reported without my consent, and their continued presence constitutes clear violations of federal law.

The following accounts have been furnished to the consumer reporting agencies without my knowledge, authorization, or written instructions : 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 Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under specific circumstances with the consumers written instructions. No such consent was provided in any of the above cases. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. These accounts must be removed unless independently verified with legal documentation.

Under 15 U.S.C. 1681 ( a ) ( 4 ), Congress has affirmed the importance of maintaining consumer privacy and fairness in the handling of credit information. The unauthorized reporting of the above accounts represents a violation of my privacy rights as established by this statute. 

Moreover, I have received formal notifications from both XXXX and XXXX that elements of my personally identifiable informationincluding my name, address, Social Security number, and other identifierswere allegedly exposed in a data breach and made available on the dark web. Given this known compromise of my identity, additional diligence is required from furnishers and consumer reporting agencies before any data is associated with my credit file. 

The following addresses and phone numbers currently appear in my credit file and are inaccurate. I have no connection to these identifiers, and they must be deleted in accordance with 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy : Erroneous Addresses : 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 XXXXXXXX The presence of these identifiers contributes to the misreporting of accounts and may enable further fraudulent activity under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
This correspondence constitutes a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I am requesting immediate reinvestigation and corrective action regarding multiple unauthorized accounts and materially inaccurate personal identifiers currently appearing in my consumer credit file. These items have been reported without my consent, and their continued presence constitutes clear violations of federal law.

The following accounts have been furnished to the consumer reporting agencies without my knowledge, authorization, or written instructions : 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 Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under specific circumstances with the consumers written instructions. No such consent was provided in any of the above cases. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. These accounts must be removed unless independently verified with legal documentation.

Under 15 U.S.C. 1681 ( a ) ( 4 ), Congress has affirmed the importance of maintaining consumer privacy and fairness in the handling of credit information. The unauthorized reporting of the above accounts represents a violation of my privacy rights as established by this statute. 

Moreover, I have received formal notifications from both XXXX and XXXX that elements of my personally identifiable informationincluding my name, address, Social Security number, and other identifierswere allegedly exposed in a data breach and made available on the dark web. Given this known compromise of my identity, additional diligence is required from furnishers and consumer reporting agencies before any data is associated with my credit file. 

The following addresses and phone numbers currently appear in my credit file and are inaccurate. I have no connection to these identifiers, and they must be deleted in accordance with 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy : Erroneous Addresses : 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 XXXXXXXX The presence of these identifiers contributes to the misreporting of accounts and may enable further fraudulent activity under my name.

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 2025-07-03 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AZ

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

1681c-2 ) that you, the Equifax Information 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 : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TN

Complaint narrative:
As of XX/XX/year> its been more than 30 days XXXX XXXX XXXX account remain on my credit report in violation of federal and regulatory guidance. Financial Protection Bureau ( CFPB ) and under Regulation V, as well as provisions reflected in XXXX XXXX XXXX, credit card debt incurred solely for medical expenses is not to be treated or reported as standard consumer debt.Senate Bill XXXX, credit card debt incurred solely for medical expenses is not to be treated or reported as standard consumer debt. Furthermore, as required by the Fair Credit Reporting Act ( FCRA ), a credit bureau must complete a reinvestigation within 30 days of receiving a dispute. Failure to respond within that time requires deletion of the disputed item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
{$270.00} XXXX XXXXXXXX portfolio recovery XX/XX/year> Account was sold to collector agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} INQUIRIES : XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-03 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: OH

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

1681c-2 ) that you, the Equifax Information 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 : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: PA

Complaint narrative:
Contacts First Progress company about late payment charge on account. They said the credit reporting should show no late payments. Sent the information to XXXX  to fix reporting they claimed the information is correct, I sent evidence I believe they are not investigating accounts stating they need more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I am filing this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) failed to conduct a proper reinvestigation of a disputed charged-off account reported by XXXXXXXX XXXX XXXX The account was charged off in XX/XX/XXXX, yet it continues to be reported with monthly late payments through XXXX. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( b ) failure of the furnisher to correct or stop reporting inaccurate information 15 U.S.C. 1681e ( b ) failure of the credit bureau to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation This re-aging of a charged-off account misleads creditors, damages credit scores, and extends the derogatory effect of the account. Despite my formal dispute, the bureaus returned the item as verified without proper explanation or method of verification. This violates my rights under the FCRA and has caused continued harm. 

I am requesting that the CFPB hold these bureaus accountable and that the XXXXXXXX XXXX  tradeline be permanently removed due to willful noncompliance.

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 2025-07-03 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: IL

Complaint narrative:
I am filing this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) failed to conduct a proper reinvestigation of a disputed charged-off account reported by XXXXXXXX XXXX XXXX The account was charged off in XX/XX/XXXX, yet it continues to be reported with monthly late payments through XXXX. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( b ) failure of the furnisher to correct or stop reporting inaccurate information 15 U.S.C. 1681e ( b ) failure of the credit bureau to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation This re-aging of a charged-off account misleads creditors, damages credit scores, and extends the derogatory effect of the account. Despite my formal dispute, the bureaus returned the item as verified without proper explanation or method of verification. This violates my rights under the FCRA and has caused continued harm. 

I am requesting that the CFPB hold these bureaus accountable and that the XXXXXXXX XXXX  tradeline be permanently removed due to willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX  - Please remove it from my credit report. 

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX  - Please remove it from my credit report. 

XXXX. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX  XXXX - Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-03 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: CA

Complaint narrative:
ACCORDING TO U.S.C. 1681B A CREDIT INQUIRY MAY ONLY BE MADE UNDER CERTAIN CIRCUMSTANCES AND FOR PERMISSIBLE PURPOSE. ADDITIONALLY, UNDER 15 U.S.C. 1681i, I HAVE THE RIGHT TO DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME, AND I REQUEST THAT THEY BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : 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/year>

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 2025-07-03 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: IL

Complaint narrative:
I am filing this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) failed to conduct a proper reinvestigation of a disputed charged-off account reported by XXXXXXXX XXXX XXXX The account was charged off in XX/XX/XXXX, yet it continues to be reported with monthly late payments through XXXX. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( b ) failure of the furnisher to correct or stop reporting inaccurate information 15 U.S.C. 1681e ( b ) failure of the credit bureau to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation This re-aging of a charged-off account misleads creditors, damages credit scores, and extends the derogatory effect of the account. Despite my formal dispute, the bureaus returned the item as verified without proper explanation or method of verification. This violates my rights under the FCRA and has caused continued harm. 

I am requesting that the CFPB hold these bureaus accountable and that the XXXXXXXX XXXX  tradeline be permanently removed due to willful noncompliance.

Company response to consumer: Closed with non-monetary relief