vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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 filing a complaint to you because I recently reviewed my credit report and discovered several accounts and inquiries that are being reported inaccurately. These errors have caused me unnecessary stress, and I want to ensure that only fair and accurate information is reflected in my file. I am requesting your immediate attention to this matter, as I have the right to an accurate report under the Fair Credit Reporting Act. 
One account showing as late and closed is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$410.00} XXXX XXXX. This account is being reported with inaccurate late payments and closure information. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), I have the right to dispute information that is not reported with maximum accuracy. Furthermore, 605B / 15 U.S.C. 1681c-2 requires removal of information resulting from identity theft or errors. This account must be corrected or deleted immediately. 
In addition, my report lists a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}. Since this account is showing no balance and can not be properly verified, it falls under the protections of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, which require removal of unverifiable or inaccurate information. Leaving this entry on my file is misleading and unfair, and it should be permanently deleted. 
Additionally, a collection is being reported by XXXX XXXX XXXX XXXX with a balance of {$230.00} XXXX XXXX. I do not recognize this debt, and it can not be verified as mine. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any account that can not be substantiated. 605B / 15 U.S.C. 1681c-2 also requires deletion of information resulting from errors or unverifiable accounts. This collection should be removed from my credit report. 
I also noticed multiple inquiries on my file that I did not authorize. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not approved by me, and they violate my rights under FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limit access to consumer reports. In addition, under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute and request removal of inaccurate or unauthorized inquiries.

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 2025-09-24 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-09-24 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 writing to formally dispute certain accounts appearing on my credit file that do not belong to me. These accounts are the result of identity theft and must be removed and blocked from my credit report. 

Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, a consumer reporting agency is required to block the reporting of information resulting from identity theft within 4 business days of receipt of : 1. Proof of the consumers identity, 2. A copy of an identity theft report, 3. The identification of the fraudulent information, and 4. A statement that the information does not relate to the consumer.

Enclosed you will find : A copy of my government-issued identification, A copy of my identity theft report, A list of the fraudulent accounts that should be removed and blocked. 

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 XXXXXX/XX/XXXX XXXX  do not report these fraudulent accounts. See attached credit report. 

Please remove and block these accounts and items from my credit file immediately as required by law. I expect written confirmation once this has been completed.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CBNA/Best Buy is reporting inaccurate information on XXXX, XXXX, and 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 2025-09-24 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: NY

Complaint narrative:
On setp XXXX, 2025 I sent a written request for debt validation to debt XXXX, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). They did not provide the required documentation proving the debt is valid, that I owe it, or that they are authorized to collect it. Despite this, they continued collection activities and/or reported the debt to the credit bureaus. This is a violation of 15 U.S.C. 1692g. Their actions have damaged my credit, caused financial harm, and created unnecessary stress. I am requesting that this debt collector be required to fully validate the debt or immediately cease collection and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I've sent disputes to Equifax, Experian and TransUnion regarding some accounts on my report that I do not recognize. The accounts are on my dispute letter that I will attach here. I also created an identity theft report to support my claim and attached it to my dispute letter together with the photo of my proof of address and driver 's license. I sent it to Equifax last XXXX but up until today, these accounts are still being reported to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I sent disputes to the 3 bureaus, several times starting the month of XXXX this year continuously. I created identity theft report attached it to my dispute letters, along with the copy of my Driver 's license, proof of my address and even my social security card. I recently checked my credit report and those accounts I've disputed, requested to be removed from my credit report for the reason that those are not mine, were still showing on my 3 bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: UT

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX balance {$410000.00} Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX  Original Balance {$15000.00} Account Number XXXX Date Opened XX/XX/XXXXXXXX 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 2025-09-24 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: UT

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX balance {$410000.00} Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX  Original Balance {$15000.00} Account Number XXXX Date Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
I am submitting a complaint as a follow-up regarding inquiries on my credit report that remain unauthorized and harmful. Despite my prior dispute, the following inquiries continue to appear, and I am now demanding their permanent removal under federal law. 
The inquiries in question include XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. I did not authorize these inquiries, nor did I apply for credit with these institutions at the times listed. Reporting these inquiries without my authorization is a clear violation of my rights under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 605B 15 U.S.C. 1681c-2.

These inquiries are not just inaccurate ; they are damaging to my credit profile. I am no longer requesting investigation or correction. I am insisting on their permanent deletion from my credit file. Continued reporting of these unauthorized inquiries is a direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft, and an account with XXXX XXXX was fraudulently reported to Experian. I submitted a valid dispute under FCRA 605B, including an FTC Identity Theft Report, government ID, and proof of address. Despite this, Experian refused to block the account and later reinserted it, claiming it was verified. 

I also received correspondence from XXXXXXXX XXXX, the furnisher of this account. I responded with my identity theft documentation as required under FCRA 623 ( a ) ( 6 ). XXXX XXXX is obligated to cease furnishing fraudulent information once notified, yet the account remains on my Experian credit file. 

Both Experian and XXXX XXXX are in violation of the Fair Credit Reporting Act, specifically : FCRA 605B failure to block fraudulent information within 4 business days after receiving identity theft documentation. 

FCRA 611 ( a ) ( 5 ) ( B ) improper reinsertion of previously deleted information without proper notice.

FCRA 623 ( a ) ( 6 ) furnisher continuing to report information after receiving identity theft documentation. 

I am requesting the CFPBs assistance to ensure compliance with 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 2025-09-24 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: PA

Complaint narrative:
I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). 

The following accounts should be removed and blocked from my reports : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right.

2. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

3. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose. 

In light of the clear violations of the law, your agency is required to take the following action : 1. Remove the inaccurate information from my consumer report.

2. Provide documents proving an investigation was conducted.

3. Provide a confirmation letter stating the information has been removed.

4. Rectify my credit report to ensure it no longer includes inaccurate information. 

Be advised that failure to correct this inaccuracy may constitute a willful violation of the FCRA under 15 U.S.C. 1681n, or at minimum a negligent violation under 15 U.S.C. 1681o, both of which entitle me to recover actual damages, costs, and attorneys fees, and in the case of willful noncompliance, statutory and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). 

The following accounts should be removed and blocked from my reports : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right.

2. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

3. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose. 

In light of the clear violations of the law, your agency is required to take the following action : 1. Remove the inaccurate information from my consumer report.

2. Provide documents proving an investigation was conducted.

3. Provide a confirmation letter stating the information has been removed.

4. Rectify my credit report to ensure it no longer includes inaccurate information. 

Be advised that failure to correct this inaccuracy may constitute a willful violation of the FCRA under 15 U.S.C. 1681n, or at minimum a negligent violation under 15 U.S.C. 1681o, both of which entitle me to recover actual damages, costs, and attorneys fees, and in the case of willful noncompliance, statutory and punitive damages.

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 2025-09-24 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:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : XXXX XXXX Block Request under 15 U.S.C. 1681c-2 and CFPB Regulation V To Whom It May Concern, I am a documented victim of XXXX XXXX and am invoking my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, as amended by the XXXX XXXX  Survivor Credit Protection Act of XXXX. Pursuant to this law and the CFPB 's final rule, I request that TransUnion block, delete, and suppress all adverse information that resulted from my trafficking experience. 
The following inaccurate or adverse items are directly related to trafficking and must be permanently removed from my consumer file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please delete the above accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am filing a complaint to you because I recently reviewed my credit report and discovered several accounts and inquiries that are being reported inaccurately. These errors have caused me unnecessary stress, and I want to ensure that only fair and accurate information is reflected in my file. I am requesting your immediate attention to this matter, as I have the right to an accurate report under the Fair Credit Reporting Act. 
One account showing as late and closed is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$410.00} XXXX XXXX. This account is being reported with inaccurate late payments and closure information. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), I have the right to dispute information that is not reported with maximum accuracy. Furthermore, 605B / 15 U.S.C. 1681c-2 requires removal of information resulting from identity theft or errors. This account must be corrected or deleted immediately. 
In addition, my report lists a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}. Since this account is showing no balance and can not be properly verified, it falls under the protections of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, which require removal of unverifiable or inaccurate information. Leaving this entry on my file is misleading and unfair, and it should be permanently deleted. 
Additionally, a collection is being reported by XXXX XXXX XXXX XXXX with a balance of {$230.00} XXXX XXXX. I do not recognize this debt, and it can not be verified as mine. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any account that can not be substantiated. 605B / 15 U.S.C. 1681c-2 also requires deletion of information resulting from errors or unverifiable accounts. This collection should be removed from my credit report. 
I also noticed multiple inquiries on my file that I did not authorize. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not approved by me, and they violate my rights under FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limit access to consumer reports. In addition, under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute and request removal of inaccurate or unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief