vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-23 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Request for Further Investigation Experian Failure to Correct Inaccurate Accounts To Whom It May Concern, I am submitting this complaint to the Consumer Financial Protection Bureau regarding Experians failure to properly investigate and delete inaccurate accounts from my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ). 

Background ( Who, What, When, and How ) On XX/XX/year>, I initiated an investigation with Experian concerning multiple accounts on my credit report that contained inaccurate and unverifiable information. 
I provided Experian with detailed disputes and supporting documentation, requesting reinvestigation under the FCRA. 
Despite the time that has passed, Experian has failed to remove or correct the following accounts, which remain inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Consumer Law Under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer reporting agency completes a reinvestigation, it must : Delete, correct, or block any item of information found to be inaccurate, incomplete, or unverifiable.

Promptly notify the consumer of the results.

Experian has failed to comply with these obligations. These accounts are inaccurate and unverifiable, yet they continue to appear on my report, which directly violates the FCRA.

Requested Action I respectfully request that the CFPB : XXXX. Compel Experian to comply with the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ). 
XXXX. Require immediate deletion of the inaccurate accounts listed above. 
XXXX. Ensure Experian provides me with written confirmation once these accounts have been removed. 



Conclusion As a consumer, I have a legal right to an accurate credit report. Experians failure to uphold its duties under federal law is causing me ongoing harm. I ask the CFPB to step in and enforce compliance to protect my rights under the Fair Credit Reporting Act. 

Thank you for your time and attention to this matter.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed, yet they remain. This failure to act is unacceptable.

The continued presence of these inquiries is highly concerning, as they may indicate possible identity theft. This unresolved issue is inflicting ongoing financial and emotional harm.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am rebutting XXXX XXXX  handling of my complaint. 

I personally called XXXX XXXX and gave them authorization to answer the CFPB complaint I filed. During this call, I spoke with a representative whose badge ID is XXXX. The representative acknowledged my authorization but also stated that XXXX XXXX would not honor FCRA XXXX ( a ) [ XXXX U.S.C. XXXX ], which limits how long negative information can remain on a consumers credit report. 

This account is more than XXXX XXXX XXXX, and under the law, negative information such as charge-offs and delinquencies can not be reported after 7 years from the date of first delinquency. XXXX XXXX  refusal to honor this rule is a direct violation of the FCRA. 

Their continued reporting of this obsolete account is unlawful, misleading, and harmful to me. It has prevented me from accessing fair credit, stable housing, and financial opportunities. By refusing to comply with federal law, XXXX XXXX is willfully disregarding consumer protections.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am rebutting XXXX XXXX  handling of my complaint. 

I personally called XXXX XXXX and gave them authorization to answer the CFPB complaint I filed. During this call, I spoke with a representative whose badge ID is XXXX. The representative acknowledged my authorization but also stated that XXXX XXXX would not honor FCRA XXXX ( a ) [ XXXX U.S.C. XXXX ], which limits how long negative information can remain on a consumers credit report. 

This account is more than XXXX XXXX XXXX, and under the law, negative information such as charge-offs and delinquencies can not be reported after 7 years from the date of first delinquency. XXXX XXXX  refusal to honor this rule is a direct violation of the FCRA. 

Their continued reporting of this obsolete account is unlawful, misleading, and harmful to me. It has prevented me from accessing fair credit, stable housing, and financial opportunities. By refusing to comply with federal law, XXXX XXXX is willfully disregarding consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
This correspondence serves as a formal dispute regarding certain accounts on my credit file that I did not authorize. I request a comprehensive review and deletion of these accounts. Evidence is attached for your review.

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 2025-09-23 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: GA

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 explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at mXXXX XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, Affirm acknowledged the overpayment. On XX/XX/XXXX, I was informed via email that a refund check would be issued, with instructions to allow 30 days for delivery. When I called on XX/XX/XXXX, I was told that weekends do not count toward the XXXX timeframe. The next day, XX/XX/XXXX, I received an email stating the refund would instead be sent within XXXX business days. 

On XX/XX/XXXX, I contacted Affirm again and was transferred multiple times before reaching a supervisor. During that call, I explained that this matter could have been resolved more efficiently by simply crediting my account. I also made it clear that I will not be making further payments to Affirm until this refund is properly issued. 

Shortly after, I received another email stating that the original check had been voided and reissued between XXXX XXXX, with instructions to wait until XXXX for delivery. Given the repeated delays, inconsistent explanations, and lack of resolution, I am no longer confident that Affirm will provide this refund in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I am filing this complaint because my credit reports from both XXXX  and Equifax continue to show charge-off accounts that are inaccurate, misleading, and damaging to my credit profile. The first XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Both of these accounts are being reported in ways that do not accurately reflect my payment history or the status of the accounts. I have repeatedly disputed these items, yet the bureaus and the reporting companies have failed to take meaningful action. XXXX  and Equifax have both returned verified results, yet the verification process has been superficial and inadequate. They simply echoed back the furnishers data without truly investigating the accuracy or legitimacy of the reported balances. This is frustrating and disheartening, as I have provided documentation showing that these accounts were either not in default as reported or were inaccurately classified, but my disputes have been ignored or dismissed. 

This is not a minor clerical error. The presence of these charge-offs paints a false picture of my financial responsibility and has caused tangible harm. I have been denied or delayed in obtaining financial products, and the emotional toll of knowing my credit report reflects inaccurate information has been significant. It is extremely stressful to see these mistakes persist despite multiple attempts to correct them. I have already escalated similar issues before with other accounts, only to find that both the furnishers and the bureaus repeatedly fail to uphold their obligations under the Fair Credit Reporting Act. 

Under 15 U.S.C. 1681e ( b ), the credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the data they report. Likewise, under 15 U.S.C. 1681i, they are required to conduct meaningful reinvestigations when I dispute inaccurate information. Both XXXX  and Equifax have clearly failed to meet these standards. XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX furnishers, also have a legal duty to ensure the information they provide is accurate and complete, yet they continue to submit data that is either unverifiable or demonstrably incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
I am disputing the XXXX XXXX  account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Defects Reported XXXX  Lates : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), then continuous CO. 
These lates do not match XXXX  ( NONE REPORTED ) or XXXX  ( different late sequence ). 
Reporting is inconsistent, incomplete, and inaccurate, violating FCRA 607 ( b ).

Metro 2 Field Breaches Payment History Profile ( PHP ) inconsistent month-by-month coding.

DOFD missing.

Special Comment/Account Status contradict Account closed due to inactivity vs Charged off.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 U.S. Code 1681 ( 4 ) Consumer rights to privacy and insuring the confidentiality of personal information. Bankruptcy is a public record so therefore due this law it should not be showing on my credit report without my permission. And according to the United States Bankruptcy Court they never reported this information to the credit bureaus.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 U.S. Code 1681 ( 4 ) Consumer rights to privacy and insuring the confidentiality of personal information. Bankruptcy is a public record so therefore due this law it should not be showing on my credit report without my permission. And according to the United States Bankruptcy Court they never reported this information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NC

Complaint narrative:
I am a victim of identity theft. There is incorrect names addresses and fraudulent accounts 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 2025-09-23 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: NC

Complaint narrative:
I am a victim of identity theft. There is incorrect names addresses and fraudulent accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the impo Dispute inaccurate items on my credit report.rtance of removing any incorrectaccounts from my credit report in accordance with FCRA 605B.Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation