vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$200.00}

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 non-monetary relief
Consumer complaint received 2025-06-11 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 was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-06-11 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
am reporting multiple fraudulent inquiries on my ChexSystems report made without my consent. I filed a police report in XXXX confirming that my ID and SSN were stolen and are being used by someone trying to open bank accounts in my name. 

The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Ive already submitted my police report, FTC report XXXX and ID to ChexSystems. 

Also, using XXXX XXXX to verify these applications is not valid proof of my consent. XXXX XXXX only confirms identity detailswhich are exactly what was stolen. 

Please require ChexSystems to block and permanently remove these fraudulent inquiries under FCRA Section 609 ( e ).

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 2025-06-11 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-11 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: OH

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to formally dispute inaccurate and unauthorized personal identifying information appearing on my credit reports from TransUnion, Experian, and Equifax. Despite multiple attempts to correct these issues directly with the credit bureaus, my consumer reports still reflect outdated and incorrect addresses I never lived at, never approved, and never used for any credit-related purpose. 

These errors were discovered during a thorough review of my credit file while preparing an identity theft complaint with the Federal Trade Commission ( FTC ). I also provided each bureau with proper identification, proof of current residency, and a copy of my FTC Identity Theft Report. Despite this, the inaccurate information remains, negatively impacting my credit, housing opportunities, and job prospects. 

This situation appears to be a result of either negligent data handling or unauthorized access to my credit file. Under the Fair Credit Reporting Act ( FCRA ) : * * * 1681e ( b ) * * requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy.

* * * 1681i ( a ) * * obligates them to reinvestigate and correct or delete disputed data within 30 days.

* * * 1681g ( a ) ( 1 ) * * entitles me to a full file disclosure, including sources of reported data.

* * * 1681c * * prohibits the inclusion of outdated or obsolete personal identifiers. 

Furthermore, reporting unauthorized addresses may violate * * 604 ( a ) ( 2 ) * *, which limits access to consumer files to cases involving permissible purpose. The presence of such addressesespecially if linked to fraudulent or unauthorized activitysignals possible identity theft and breaches permissible use provisions. 

* * Only the following personal information should appear on my report : * * * * * Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verified Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Relief : * * * Permanently delete all incorrect addresses and unverified personal identifiers. 
* Update my credit reports to reflect only my verified current information. 
* Provide written confirmation of these corrections. 

I request CFPB intervention to ensure the credit bureaus comply with their obligations under federal law. I am also prepared to escalate this to the Office of the Attorney General, the FTC, and seek legal representation for damages under * * FCRA 1681n * * if this matter is not resolved promptly.

Supporting documents, including a government-issued ID, lease, utility bill, and FTC Identity Theft Report, are available upon request or already submitted to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: Northstar Location Services, LLC
State: MI

Complaint narrative:
This company has attempted several times to re-create this closed account onto my consumer report. This account is reported in accurately it has like payments of 120 days late for several months back to back, which is lawfully impossible. This account must be removed effective immediately. This account has been charged off and sold to a third-party debt collector without my consent per 15 USC 1682B I opt out of this and all companies associated with this account contacting me via my consumer report. Text message call emails or any other form of communication. Delete this account immediately.Barclays Account Name : XXXXXXXX XXXX XXXX Account number XXXX Account status : closed Date opened XX/XX/XXXXXXXX  This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately. 
Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX  a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 

XX/XX/XXXXXXXX  - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 90 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days late Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal per 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Capital Management Services, LP
State: MI

Complaint narrative:
This company has attempted several times to re-create this closed account onto my consumer report. This account is reported in accurately it has like payments of 120 days late for several months back to back, which is lawfully impossible. This account must be removed effective immediately. This account has been charged off and sold to a third-party debt collector without my consent per 15 USC 1682B I opt out of this and all companies associated with this account contacting me via my consumer report. Text message call emails or any other form of communication. Delete this account immediately.Barclays Account Name : XXXXXXXX XXXX XXXX  Account number XXXX Account status : closed Date opened XX/XX/XXXX This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately. 
Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX  a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 

XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 90 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days XX/XX/XXXX - 120 days late Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal per 15 usc 6802

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My identity was stolen and used by unauthorized person all collection shown on my credit report By these agencies XXXX, XXXX, XXXX, are showing fraudulent Open dates on my credit report to harm me and my credit. I want this to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: VA

Complaint narrative:
I am disputing multiple inaccurate and harmful entries on my credit reports that are being reported by several companies without proper verification or legal compliance. I previously disputed these accounts directly with the credit bureaus, but they were marked as verified without a proper investigation which violates the Fair Credit Reporting Act ( FCRA 1681i ) and my rights as a consumer.

Some of these accounts reported late payments during active COVID-19 accommodations, such as forbearance or deferment, which are protected under the CARES Act 4021 from XX/XX/XXXX through the end of XXXX. Despite this, companies still reported me late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and beyond in direct violation of federal law. 

Other accounts, like the XXXX XXXX, are outdated and over 7 years old. This violates FCRA 1681c ( a ) ( 4 ), which requires deletion after 7 years. 

I am also a documented victim of identity theft and my information was compromised in several known data breaches, including the Equifax XXXX breach and the XXXX XXXX XXXX XXXX breach. I have submitted disputes with supporting documents, including return receipts, and requested proper validation such as the original signed contract and full chain of assignment. None were provided, yet the accounts remain. 

These companies have ignored the law, failed to investigate, and continued reporting false or unverifiable information harming my credit, employment, and financial well-being. 

I will also be submitting a formal FTC Identity Theft Report and expect this complaint to be escalated immediately. The bureaus and data furnishers have had ample time to comply, and their failure will be included in my evidence of willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Subject : Formal Demand for Permanent Deletion of Inaccurate Accounts Notice of Intent to Pursue Legal Action To Whom It May Concern : I am writing to formally dispute the inaccurate and harmful accounts currently listed on my credit report with both Experian and Equifax. This is being done in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

This is a final demand to permanently delete the following accounts from my credit report within five ( 5 ) days of receipt of this letter : These accounts are inaccurate, unverifiable, and damaging to my financial well-being. I have suffered multiple denials for auto loans, credit cards, and mortgage applications, and have been subjected to unfair, inflated interest rates directly due to these reporting failures.

Per FCRA 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. Re-reporting unverified, outdated, or inaccurate information without complete validation is a direct violation of 1681i ( a ) ( 5 ).

Additionally, under 1681e ( b ), you are mandated to follow reasonable procedures to ensure maximum possible accuracy of the information you report. Your failure to comply with these procedures, as evidenced by the recent lawsuit involving both Experian and Equifax, underscores a pattern of negligence and noncompliance.

If the accounts in question are not permanently deleted within 5 business days from the receipt of this letter, I will have no choice but to pursue legal action. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and taking legal steps to recover damages under FCRA 1681n and 1681o for willful and negligent noncompliance.

This letter serves as notice of intent to litigate. I have documented the harm caused, and I am fully prepared to pursue maximum statutory and punitive damages as permitted by 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request to Correct Personal Information Dear CFPB Ive made several attempts to correct errors in my personal information with the credit bureaus, but the issues remain unresolved. I will be uploading my personal information again to ensure accuracy. 

Please confirm receipt of the letters and also send me my updated credit reports 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 explanation