vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: WA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 


UNAUTHORIZED INQUIRIES : 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 2025-10-20 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Everything on FTC and PDF is fraud Remove immediately!

15 USC 1681c-2 I did not authorize. Block Remove immediately!

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 2025-10-20 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: FL

Complaint narrative:
I am formally disputing the XXXXXXXX XXXX XXXX XXXXXXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as reported on my Equifax file. The tradeline is listed Current/ As Agreed, yet your system flags it as Negative. This is false, incomplete, and unverified in violation of FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( b ) and Reg V 1022.42. 
Summary of Issues Inconsistent data across bureaus ( High Credit {$96.00} vs {$0.00} ; Date Last Active XX/XX/XXXX vs XX/XX/XXXX ). 
Improper use of Negative coding for a paid-as-agreed account. 
Persistent In Dispute flag without current consumer authorization. 
No evidence of reasonable reinvestigation ( XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Request for Removal of Invalid Debt and Credit Reporting To Whom It May Concern, I am writing to formally dispute the reporting and handling of a debt associated with my name and personal information that has been transferred or sold by XXXX XXXX XXXX to another third-party debt collector without my consent. The debt in question appears to have been sold to Blitt and Gaines , P.C . and is beyond the statute of limitations for collection in the XXXXXXXX XXXX XXXX 

Under XXXX XXXX, as well as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful to sell, assign, or attempt to collect a debt that is time-barred or to report inaccurate or unverifiable information to credit reporting agencies. 

Accordingly, I am requesting the following actions be taken immediately : Cease all collection and information-sharing activities related to this account, including communication with any third-party debt collectors. 

Remove any and all references to this debt from my credit report, as it is not legally valid for collection or reporting purposes under Illinois law. 

Provide written confirmation that this account has been closed, marked as disputed, and deleted from all consumer reporting agencies. 

Please be advised that continued reporting or sale of this debt may constitute violations of federal and state consumer protection laws. I request a written response to this letter within XXXX days, as required under the Fair Credit Reporting Act. 
Please see attachment. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TN

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-20 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 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 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: FL

Complaint narrative:
I dispute the following inaccurate and unverified tradelines appearing on my Experian report : XXXX XXXX ( XXXX ) Erroneous Charge-Off status with {$320.00} balance and conflicting High Credit/Credit Limit values. 
Activity dates and late counts ( 17 90-day ) are inaccurate and unsupported. 
No documented proof of independent reinvestigation after prior dispute flag violating XXXX XXXX XXXX and 611 ( a ). 
Known data compromise renders continued publication a potential GLBA 6801 violation. 
XXXX XXXX XXXX ( XXXX ) Contradictory High Credit ( {$620.00} vs {$2500.00} ) and missing DOFD. 
Simultaneous Closed/Charge-Off and Past Due {$620.00} status = incomplete / misleading data. 
Absent verification documentation violates 611 ( a ) ( 1 ) ( A ) and Reg V 1022.42. 
Requested Relief ( 30 Days ) : Delete unverifiable entries, provide Method of Verification and updated 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 2025-10-20 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:
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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
The information as follows is fraudulent names on my credit report as XXXX XXXX and 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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
NATIONAL RECOVERY, XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX has created a fraudulent account to recover money from me in the name of XXXX XXXXXXXX XXXX XXXX XXXX While the XXXX does not have any collection with my name or my address with them or have never sent any bill for that. 

Now the National Recovery has sent this collection charges to Credit Bureaus. XXXX  and XXXX  has identified this as fraudulent account and has removed it from my report but XXXX  still shows this as valid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NE

Complaint narrative:
I am a XXXX USAA member and veteran. My auto insurance policy was cancelled during the XX/XX/year> federal government shutdown even after I paid the amount due. 

Timeline : XX/XX/year> USAA issued a cancellation notice for {$380.00}. 
XX/XX/year> XXXX shutdown began, suspending my small-business contract income. 
XX/XX/year> Policy cancelled during the shutdown hardship period. 
Because USAA refused to reinstate the same policy, I was without auto insurance coverage for approximately 10 days due to the non-payment that occurred while the shutdown prevented income. 
After paying {$380.00} in good faith, I repeatedly called USAA, eventually reaching the CEO-level Membership Advocacy Team . They acknowledged the hardship and noted nationwide system issues on XX/XX/XXXX that may have prevented receipt of my documents. 
That same day, I was required to pay {$1100.00} for a new policy at {$3400.00} for six months about XXXX percent higher than my prior {$2400.00} rate for identical coverage. 

USAA denied hardship relief under its Government Shutdown Assistance Program because the notice pre-dated the shutdown, even though the cancellation and loss of coverage occurred during it. I believe this constitutes an unfair and abusive financial practice ( UDAAP, 12 U.S.C. 5531 ) and violates Nebraskas unfair-rate and unfair-trade statutes. 

As a direct result of USAAs refusal to reinstate, I was without coverage for approximately 10 days between cancellation and issuance of the new policy, despite having paid the balance due. This exposed me to unnecessary risk and constitutes unfair treatment under Neb. Rev. Stat. 44-318, 44-7508, and 44-1525.

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 2025-10-20 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: FL

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX Subject : Formal Request for Deletion Inaccurate XXXX XXXX XXXX Account Dear TransUnion, This letter is a formal dispute regarding inaccurate reporting of the following account : Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Account Opened : XX/XX/XXXX Balance Reported : {$7600.00} Date Updated : XX/XX/XXXX I have identified multiple inaccuracies that require immediate correction : XXXX. The Date Updated ( XX/XX/XXXX ) is false ; there has been no payment or activity since XX/XX/XXXX. 


XXXX. The account continues to show a balance after being charged off. 


XXXX. The payment history includes multiple XXXX and late notations after the charge-off date, which is incorrect. 


XXXX. The scheduled removal date ( XX/XX/XXXX ) may not reflect the original delinquency period. 



I request that TransUnion delete this account if the furnisher can not provide full documentation verifying all details per FCRA 611 ( a ) ( 5 ) ( A ). 

Please confirm the results of your reinvestigation in writing within 30 days. 

Sincerely, 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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Couple of months ago. I requested the company to stop payments comming from my daughter card. they also, canceled my card... the payments going to XXXX continued for two months. 
I called again, they issued a new card to me and despite me calling them not to investigate the charges, they did. they reverse the charges, and I am having issues with the merchant. 
i called yet another time, because never got the credit card, and still despite chase agents assuring that they did what I said .. they did not reverse what they did. 
Now I just realized nothing has been done.. I am banned from XXXX, and waiting for a card that never arrived in over a month. 
very alarming that your finances are handled by a company so unprofesional that lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
Dear Equifax 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 ACCOUNTS : XXXX - XXXX * * * * * * * * * * XXXX XXXXXXXX XXXX  - XXXX * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I formally dispute the accuracy and completeness of the items below on my TransUnion file. These entries are inaccurate, inconsistent across bureaus, and/or unverifiable, violating FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( b ), Reg V XXXX and GLBA XXXX. Any item you can not verify via original creditor records must be deleted per 611 ( a ) ( 5 ) ( A ). 
Accounts in Dispute ( TransUnion ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Acct XXXX * * * * / XXXX * * * * * * / XXXX * * * * * * ) o Issues : Multiple duplicate medical collections, conflicting dates ; no DOFD ( Fld 71 ) ; no itemization. 
o Compliance : FCRA 607 ( b ), 623 ( a ) ( 5 ) ; Metro-2 Flds 1719, 2425, 71. 
o XXXX : Limit medical identifiers. Produce assignment/authorization, HIPAA-compliant itemization XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX ( Acct XXXX * * * * ) o Issues : Status conflicts ( Closed vs Open elsewhere ) ; Date Last Active mismatch ; DOFD not shown. 
o Demand : Contract/authorization, itemized balance, DOFD, method of verification. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX * * * * ) o Issues : TU shows Closed while other bureaus show Open/collection ; activity dates conflict ; {$9600.00} not itemized ; DOFD absent. 
XXXX. XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX ( Acct XXXX * * * * ) o Issues : Status conflicts ( Closed/Refinanced/Open across bureaus ) ; Placed for collection without assignment/authority ; DOFD missing. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX * * * * * * / XXXX * * * * * * * * / XXXX * * * * * * * * * * ) o Issues : Debt-buyer reporting with Open vs Closed conflicts, Past Due inconsistencies, and Date Last Active/Last Payment mismatches ; DOFD not provided ; chain of title missing. 
o Demand : Purchase agreements/chain of title, bill of sale, warranties of accuracy, itemization, XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Acct XXXX * * * * * * * ) o Issues : Open vs Closed cross-bureau conflicts ; Past Due inconsistent ; Date Last Active mismatched ; no DOFD/itemization. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX * * * * ) o Issues : Status Closed/Refinanced/Open across bureaus ; DLA conflicts ; XXXX XXXX ; no itemization. 
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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
Total {$1100.00} with no written notice of debt or validation of debt. Never done business or signed and contract or agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Oquirrh Mountain Law Group, P.C.
State: MS

Complaint narrative:
They did not fix my credit but kept taking money out of my account. They said if I cancel that everything will go back to the way it was before they started. They arent helping my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief