vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX Report Date : XX/XX/XXXX Bureaus Affected : XXXX, Experian, XXXX  Category : Credit reporting Incorrect information on your credit report : I am filing a formal complaint against the credit reporting agencies XXXX, Experian, and XXXX  for reporting multiple fraudulent and inaccurate accounts on my credit file. These accounts are either not mine, incorrectly linked to my identity, or unverifiable under FCRA and Metro 2 standards. I have submitted disputes to each bureau with supporting ID, but these accounts have not been removed or validated within the required time under FCRA XXXX. I am now escalating due to failure to verify, data mismatching, and improper handling of my personal information. List of Disputed Accounts : Regional Finance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts contain either unauthorized tradelines, identity mismatches, or unverifiable debt. I never authorized them, and the bureaus have not produced documentation such as a signed application or contract. I am attaching my dispute letters, ID, and proof of address, FTC affidavit as part of this complaint. I ask that the CFPB escalate this case and ensure these items are permanently removed from my credit reports. Sincerely, 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 2025-08-01 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: FL

Complaint narrative:
This follow up complaint serves as my fourth formal communication concerning the presence of unauthorized or unverified accounts appearing on my credit report. I am again asserting my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limits access to a consumers credit file to entities with a legally permissible purpose. 
Despite my previous requests, the following accounts remain on my credit report and have not been validated as having been made with my consent or for a legitimate reason under the FCRA : Accounts to Be Removed : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2024

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 2025-08-01 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:
Possible Fraudulent Account because I have never had any dealings with and never signed any kind of contact with XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am formally requesting, under my rights granted by Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), a complete investigation into the accounts listed below, which are being reported on my credit file. These accounts appear to be fraudulent and may have been reported by a third party without proper verification or my authorization. 

I am requesting the following documentation as allowed under Section 609 : - The original signed contract or agreement that bears my signature for each account - The name and address of the original creditor - A full description of how the account was verified Below are the accounts I am disputing : - XXXX ( Original Creditor : XXXX XXXX XXXX ) | Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion - XXXX ( Original Creditor : XXXX PARK XXXX ) | Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by : TransUnion, Experian, and Equifax - XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX  | Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Reported by : TransUnion, Experian, and Equifax If the information can not be verified with original source documentation, it must be removed from my credit report immediately, per FCRA regulations. Please complete your investigation within the 30 days required by law and send me a written response to the address listed above. 

Sincerely, 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 2025-08-01 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:
Possible Fraudulent Account because I have never had any dealings with and never signed any kind of contact with XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am formally requesting, under my rights granted by Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), a complete investigation into the accounts listed below, which are being reported on my credit file. These accounts appear to be fraudulent and may have been reported by a third party without proper verification or my authorization. 

I am requesting the following documentation as allowed under Section 609 : - The original signed contract or agreement that bears my signature for each account - The name and address of the original creditor - A full description of how the account was verified Below are the accounts I am disputing : - XXXX ( Original Creditor : XXXX XXXX XXXX ) | Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion - XXXX ( Original Creditor : XXXX PARK XXXX ) | Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by : TransUnion, Experian, and Equifax - XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX  | Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Reported by : TransUnion, Experian, and Equifax If the information can not be verified with original source documentation, it must be removed from my credit report immediately, per FCRA regulations. Please complete your investigation within the 30 days required by law and send me a written response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This follow up complaint serves as my fourth formal communication concerning the presence of unauthorized or unverified accounts appearing on my credit report. I am again asserting my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limits access to a consumers credit file to entities with a legally permissible purpose. 
Despite my previous requests, the following accounts remain on my credit report and have not been validated as having been made with my consent or for a legitimate reason under the FCRA : Accounts to Be Removed : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 follow up complaint serves as my fourth formal communication concerning the presence of unauthorized or unverified accounts appearing on my credit report. I am again asserting my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limits access to a consumers credit file to entities with a legally permissible purpose. 
Despite my previous requests, the following accounts remain on my credit report and have not been validated as having been made with my consent or for a legitimate reason under the FCRA : Accounts to Be Removed : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2024

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 2025-08-01 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: TX

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 2025-08-01 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION UNDER 15 U.S.C . 1692g Account Number : XXXX  Balance Reported : {$0.00} To Whom It May Concern : I am formally disputing the validity of the above-referenced account allegedly assigned to Caine & Weiner for collection and/or credit reporting. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am demanding full and complete legal validation of this debt.

You are required by law to provide the following documentation : A copy of the original signed agreement or contract allegedly bearing my signature.

A detailed and itemized statement of the account showing all debits, payments, fees, and adjustments.

A full account flow sheet or transaction history since the accounts inception.

Documentation proving the legal assignment or transfer of ownership, including all parties involved in the chain of custody.

A copy of your license to collect debts in the State of Illinois. 
The name of the individual who verified this debt for the purpose of credit reporting. 
DO NOT send a generic bill, invoice, or account summary as validation. These documents do not meet the standard of proper legal validation under 15 U.S.C. 1692g and will be considered non-compliant.

Until such documentation is provided, you are to immediately cease all collection activities, including communication and furnishing of this account to any credit reporting agency. Continued reporting of this unvalidated account violates the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) and the FDCPA. 

If you can not fully validate this account, you are required to permanently delete this entry from all consumer credit reporting agencies, including XXXX XXXX XXXX XXXX 

Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Notification to the Federal Trade Commission ( FTC ) Complaint to the Illinois Attorney Generals Office Legal action for damages under the FDCPA and FCRA You have 30 days from the date of your receipt of this letter to fully comply. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XXXXXX/XX/year> Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XXXX/XXXXXXXX

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 2025-08-01 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights 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 explanation
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
TransUnion has failed to follow federal law after receiving a valid identity theft affidavit and supporting documents. Under 15 USC 1681c-2 ( a ), they were legally required to block and delete the fraudulent accounts within 4 business days. Instead, TransUnion ignored the law, continued reporting the false information, and even blocked me from accessing their website for nearly a month. During that time, I was unable to dispute or upload documents, which violates my rights under the FCRA and interferes with my ability to protect my credit.

Their ongoing failure to act shows willful and negligent noncompliance under 15 USC 1681n and 1681o. I have extensive documentation proving their inaction, including dispute letters, fax confirmations, identity theft reports, and communication logs. Every day they refuse to comply is increasing the damages I am owed. I am now pursuing federal legal action and seeking full compensation for all violations. TransUnion must be held accountable.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed chXXXXpter XXXX which was dismiss XXXX  XXXX XXXX account charged off sold the debt to a collection agency name XXXX which i pay every month my balance is {$1700.00} why is XXXX XXXX continuing to report derogatory information to experian every month my payments dont go to XXXX XXXX why are they reporting any information to my credit report if the dedt was charged off by XXXX XXXX XXXX a collection agency ARS whom iam paying my debt to. please have this Account investigated

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 2025-08-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> -- {$22000.00}

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