vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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 identity 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 completeandaccurate.

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 2025-10-15 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question and they are negatively impacting my credit. Per section 15 USC 1681 c-2, Any fraudulent accounts that I did not recognize or sign a contract for must be removed off my credit report in XXXX days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection with these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX AND EXPERIAN accounts and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This card balance of XXXX was paid in full XX/XX/year>. Company has agreed the balance is XXXX  and nothing else is owed.

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 2025-10-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX NA Date : XX/XX/year> XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-10-15 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: TX

Complaint narrative:
There are errors being reported on my credit 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 non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Accounts : XXXX and XXXX Date of Credit Report : XX/XX/2025 ( Experian ) XXXX XXXX XXXX XXXX is inaccurately furnishing XXXX closed accounts as charged-off on my Experian consumer report, dated XX/XX/2025. The reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) due to re-aging, duplicative charge-off coding, and misleading status updates. 

Account # XXXX is being reported with XXXX separate charge-off ( CO ) months, even though the account was already charged off and closed. This repetition constitutes unlawful re-aging and creates the false appearance of ongoing delinquency. XXXX XXXX is also showing a past-due balance of {$140.00} on an account that was written off years prior, which is materially inaccurate and misleading. 

Account # XXXX reflects XXXX charge-off ( CO ) months and is simultaneously listed as XXXX, XXXX. {$200.00} written off. Despite being paid and closed, the account remains reported as derogatory, which again constitutes re-aging and inaccurate reporting. 

Both tradelines display contradictory information labeled as charge-off, closed, and past due at the same time. This violates XXXX XXXX. XXXX ( b ) ( failure to maintain maximum possible accuracy ) and XXXX ( b ) ( failure to correct after dispute ). XXXX XXXX previously responded to disputes with a generic investigation complete notice but failed to provide validation, supporting documentation, or any accounting records demonstrating lawful debt ownership or accurate status. 

The continued furnishing of these re-aged and inconsistent tradelines has caused credit denials, reduced creditworthiness, and emotional distress. It also represents willful and negligent noncompliance under XXXX XXXX. XXXX and XXXX. 

What I Am Requesting I am requesting that XXXX XXXX XXXX XXXX immediately delete both derogatory tradelines ( Account # XXXX and # XXXX ) from all consumer reporting agencies due to inaccurate, unverifiable, and re-aged reporting. 

If deletion is not possible, the company must correct the tradelines to accurately reflect their true status paid and closed without any charge-off, past-due, or re-aged entries, and provide written verification of correction. 

I uploaded the proof that the accounts are inaccurate, per the FCRA laws you must abide by the 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Accounts : XXXX and XXXX Date of Credit Report : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurately furnishing XXXX closed accounts as charged-off on my XXXX  consumer report, dated XX/XX/year>. The reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) due to re-aging, duplicative charge-off coding, and misleading status updates. 

Account # XXXX is being reported with XXXX separate charge-off ( CO ) months, even though the account was already charged off and closed. This repetition constitutes unlawful re-aging and creates the false appearance of ongoing delinquency. XXXX XXXX is also showing a past-due balance of {$140.00} on an account that was written off years prior, which is materially inaccurate and misleading. 

Account # XXXX reflects XXXX charge-off ( CO ) months and is simultaneously listed as XXXX, XXXX. {$200.00} written off. Despite being paid and closed, the account remains reported as derogatory, which again constitutes re-aging and inaccurate reporting. 

Both tradelines display contradictory information labeled as charge-off, closed, and past due at the same time. This violates XXXX XXXX. XXXX ( b ) ( failure to maintain maximum possible accuracy ) and XXXX ( b ) ( failure to correct after dispute ). XXXX XXXX previously responded to disputes with a generic investigation complete notice but failed to provide validation, supporting documentation, or any accounting records demonstrating lawful debt ownership or accurate status. 

The continued furnishing of these re-aged and inconsistent tradelines has caused credit denials, reduced creditworthiness, and emotional distress. It also represents willful and negligent noncompliance under XXXX XXXX. XXXX and XXXX. 

What I Am Requesting I am requesting that XXXX XXXX XXXX XXXX immediately delete both derogatory tradelines ( Account # XXXX and # XXXX ) from all consumer reporting agencies due to inaccurate, unverifiable, and re-aged reporting. 

If deletion is not possible, the company must correct the tradelines to accurately reflect their true status paid and closed without any charge-off, past-due, or re-aged entries, and provide written verification of correction. 

I uploaded the proof that the accounts are inaccurate, per the FCRA laws you must abide by the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
CONSUMER ADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJ is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Ive found late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, the information in my report must be accurate, complete, and verifiable. I am requesting that these entries be investigated, and if they can not be properly verified, they should be corrected or deleted.

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was trying to sell my sons stroller on XXXX marketplace for XXXX $ today, XX/XX/year>. I was contacted by a buyer who requested to send money through Zelle. I received a text stating that there are restrictions on my Zelle for the amount and to call customer service. I called the number provided, without checking the number XXXX, and they said it was sent as a business transaction and will send me XXXX $ and I needed to send back the XXXX XXXX I XXXX  fell for this and was scammed out of XXXX XXXX Both Zelle and XXXX said theres nothing they can do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CADENCE BANK
State: MS

Complaint narrative:
On XX/XX/XXXX, I visited the merchant to diagnose why my car wouldn't start. They identified the issue as a loose battery cable and charged me {$30.00} for the service, which I paid. 

Following that, they offered to fulfill a warranty for certain parts, on the condition that I prepay and wait to be contacted when the parts arrived. I agreed and paid in advance. However, more than XXXX business days passed with no updates, communication, or services rendered. 

Due to the lack of communication and delays, I returned to the shop and requested a refund. I was informed by the XXXX that a refund was not possible because the parts had already been ordered. However, I never received any parts or services, nor did I sign or agree to any policy stating that refunds were prohibited. 

I then filed a dispute with my bank, but they sided with the merchantdespite the fact that no parts were delivered and no further services were performed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have identified late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all reported information must be accurate, complete, and verifiable. I am requesting verification of these late payments, and if they can not be substantiated, they should be corrected or deleted from my 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 2025-10-15 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
In XX/XX/year>, I disputed many accounts on my credit bureaus for Validation of XXXX. On XX/XX/year>, I sent a Debt Validation Letters by way of Certified Mail with a return receipt to XXXX different creditors and collection agencies. These creditors were included and failed to respond within 30 days. I am in the process of submitting complaints to the CFPB, FTC, XXXX, and sending all documentation along with Intent to Sue and Demand Letters to all three credit reporting agencies. These accounts under XXXX Laws should be permanently removed from all credit bureaus.

Company response to consumer: Closed with explanation