vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-19 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: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-19 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
After checking my credit reports with XXXX XXXX XXXX XXXX  I discovered that Midland Credit Management had reported the following inaccurate information : Acct # XXXX Alleged Amount Owed : {$1400.00} Acct XXXX XXXXXXXX Alleged Amount Owed : {$3600.00} I sent Midland Credit Management via certified mail a Request for Debt Validation Pursuant to 15 U.S.C. 1692g ( b ). on XX/XX/2025. On XX/XX/2025 I received response from Midland Management through the CFPB portal providing nothing more than a name match linking me to this alleged debt. Attached is my XXXX dispute letter for failure to provide adequate validation of alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a documented victim of identity theft and currently have fraud alerts and security freezes on my TransUnion credit report. While these protective measures were previously necessary, I am now actively working to rebuild my credit and need these freezes temporarily lifted so that authorized tradelines can be properly added. 

On XX/XX/XXXX, I sent a formal written request to XXXX XXXX XXXX  XXXX XXXX  requesting the temporary removal of all fraud alerts, freezes, and security blocks on my credit file. I also disputed XXXX ( XXXX ) unauthorized hard inquiries that were not initiated or authorized by me.These inquiries include : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not authorized and are a direct result of the identity theft Ive experienced. Under 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), they should be removed immediately. 

Despite submitting proper identity verification documents ( state ID, XXXX, utility bill, and XXXX XXXX ), I have yet to receive confirmation of the requested actions. TransUnion has failed to respond or act on my dispute and fraud victim status.

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 2025-06-19 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: VA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-06-19 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: NV

Complaint narrative:
After reviewing my Equifax credit report i see accounts and inquiries that arent mines and is on my report due to identity theft, I would like the accounts listed below removed immediately they are identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a formal credit dispute to Equifax on XX/XX/2025, regarding multiple accounts I believe to be inaccurate, unauthorized, or unverifiable. Despite this, Equifax failed to complete a legally compliant reinvestigation within the 30-day period required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

As of my most recent Equifax report dated XX/XX/2025, the following unresolved issues remain : An unauthorized Fraud Victim Initial Alert was added to my credit file without my consent or request, violating FCRA 1681c-1 ( a ). 

A XXXX XXXX XXXX account remains on my report despite repeated disputes and no documentation showing valid service or charges. 

Two accountsXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXwere closed in error by the credit grantors, which I did not authorize. Equifax has not verified the accuracy or legitimacy of these closures. 

A {$2400.00} XXXX collection account, reported by XXXX XXXX, remains on my report even though I have no record of this debt and have not received any signed contract or account validation. 

Equifax has not provided any documentation from furnishers to verify the accuracy of these accounts and appears to have used the E-OSCAR automated dispute system, which courts have ruled does not satisfy the reasonable investigation standard under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NV

Complaint narrative:
After reviewing my TransUnion credit report, I see accounts that don't belong to me and they are on their due to identity theft. These are the accounts below and I would like them removed immediately : XXXX XXXX XXXX - XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo hard pull shows on credit report. I used the companies soft pull options to check for product availability. The company used a hard pull to check for options. I never agreed to a hard pull. The company must remove the hard pull inquiry from my XXXX XXXX XXXX credit files.

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 2025-06-19 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: OH

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am submitting this complaint to dispute multiple inaccurate late payment notations reported on my TransUnion credit file. Specifically, the following accounts are in question : XXXX account ending in XXXX, which was closed and dated XX/XX/XXXX ; XXXX XXXX  XXXX account ending in XXXX, dated XX/XX/XXXX ; and XXXX account ending in XXXX, dated XX/XX/XXXX. These accounts are showing late payment notations even though there is no outstanding past due balance and the records are either outdated, unverifiable, or closed in good standing. These derogatory remarks are inaccurate and misrepresent my payment history. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), consumer reporting agencies are legally required to ensure maximum possible accuracy of the information they report. TransUnions continued reporting of these late payments without verifiable documentation or context, such as billing records or evidence of actual delinquency, constitutes noncompliance with federal law and significantly distorts my creditworthiness.

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 2025-06-19 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: AZ

Complaint narrative:
Hello, I have several unauthorized accounts I recently discovered on my credit report. These are inaccurate and hurting my ability to obtain credit. It is my understanding that you will investigate the account for me to ensure it is accurate. Here is the accounts I'm asking you to verify as accurate : XXXX XXXX XXXX XXXX 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 2025-06-19 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: AZ

Complaint narrative:
Hello, I have several unauthorized accounts I recently discovered on my credit report. These are inaccurate and hurting my ability to obtain credit. It is my understanding that you will investigate the account for me to ensure it is accurate. Here is the accounts I'm asking you to verify as accurate : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I am submitting this complaint to dispute the continued reporting of two charge-off accounts that have been legally settled and should not be inaccurately labeled in a way that misrepresents my credit history. The first is an account with XXXX XXXX ( XXXXXXXX XXXX XXXX ), dated XX/XX/XXXX, which was legally settled for less than the full balance. The settlement was accepted by the creditor, and the account has been fully resolved. Despite this, TransUnion continues to report this as a charge-off without properly reflecting the legally binding resolution and payment status. The second account is with XXXX XXXX XXXX ( XXXX ) XXXX XXXX, opened on XX/XX/XXXX, which was also legally paid in full for less than the full balance. This too was a mutually agreed-upon settlement, which the creditor accepted. Reporting either of these accounts as outstanding charge-offs or failing to clearly indicate their settled status is misleading and does not meet the accuracy standards required by law. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to ensure the maximum possible accuracy of all information it maintains. Continuing to report these accounts without properly noting the legal settlements violates 15 U.S.C. 1681e ( b ), and undermines the integrity of my credit file. These errors have already led to adverse impacts on my creditworthiness and have resulted in denials of new credit based on misrepresented financial data.

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 2025-06-19 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XX/XX/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 2025-06-19 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:
I am a victim of identity theft. A fraudulent collection account was reported on my credit file by XXXX XXXXXXXX and XXXX, with the original creditor listed as XXXX XXXX XXXX XXXX I did not open this account, have never authorized it, and have never received any funds or services from it. 

I discovered this unauthorized account on my TransUnion, Experian, and Equifax reports. 

Here are the fraudulent tradelines : XXXX XXXX ( XXXX XXXX. ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$4900.00} On : TransUnion and Experian XXXX ( XXXX XXXX. ) Account # : XXXX * * * * Date Opened : XX/XX/year> Balance : {$4900.00} On : Equifax I have already submitted a police report ( XXXX XXXX Report # XXXX ) and an FTC Identity Theft Report ( Report # XXXX ). I have also contacted the credit bureaus with my identification documents, yet this fraudulent account remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I am a victim of identity theft. A fraudulent collection account was reported on my credit file by XXXX XXXXXXXX and XXXX, with the original creditor listed as XXXX XXXX XXXX XXXX I did not open this account, have never authorized it, and have never received any funds or services from it. 

I discovered this unauthorized account on my TransUnion, Experian, and Equifax reports. 

Here are the fraudulent tradelines : XXXX XXXX ( XXXX XXXX. ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$4900.00} On : TransUnion and Experian XXXX ( XXXX XXXX. ) Account # : XXXX * * * * Date Opened : XX/XX/year> Balance : {$4900.00} On : Equifax I have already submitted a police report ( XXXX XXXX Report # XXXX ) and an FTC Identity Theft Report ( Report # XXXX ). I have also contacted the credit bureaus with my identification documents, yet this fraudulent account remains on my report.

Company response to consumer: Closed with non-monetary relief