vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-07-30 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
USAA bank is listing my settled account as owing {$10000.00} I settled with their debt collector and paid in full the settlement amount. XXXX their collection agency, reneged on the agreement forcing me to sue them and USAA. As part of the settlement agreement USAA was supposed to request deletion of its trade line to credit reporting agencies, 30 days after the Agreement which was settled in XX/XX/year>. I spoke with USAA and emailed them copies of the settlement. The agents were still trying to collect the debt from 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 monetary relief
Consumer complaint received 2025-07-30 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 debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX XXXX  per violation and clearly they violated my rights.

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 2025-07-30 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: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX XXXX  per violation and clearly they violated my rights.

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 2025-07-30 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 2025-07-30 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:
Several accounts are being inaccurately reported on my credit file despite prior disputes and multiple attempts to resolve these issues. Specifically, certain tradelines are simultaneously showing both positive and negative statuses, which is contradictory and violates the legal requirement for accuracy under the Fair Credit Reporting Act. Some accounts continue to reflect derogatory information without any proper documentation, charge-off notices, or signed contracts to support their validity. For example, a credit card account from XX/XX/XXXX remains marked as delinquent even though no evidence of default has been provided. Additionally, a medical-related account is being reported without HIPAA-compliant documentation or itemized billing. There are also inquiries from various auto dealers and credit unions between XX/XX/XXXX, and XX/XX/XXXX, that were never authorized. Despite submitting disputes, the credit bureaus and furnishers have failed to provide sufficient validation, and as of the most recent credit report dated XX/XX/XXXX, these accounts remain on file. The reporting of unverifiable and inconsistent information has negatively impacted my credit standing and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: LA

Complaint narrative:
I was recently trying to buy a semi truck to start my business and noticed that I had damages on my credit report according to XXXX U.S.C XXXX there should not be any damages on my credit report its a defamation to my character.

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 2025-07-30 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: Carvana Group, LLC
State: TX

Complaint narrative:
I am writing to dispute an unauthorized credit inquiry listed on my credit report. I did not authorize XXXX XXXX XX/XX/year> to access my credit, nor did I initiate any application or request that would have permitted this inquiry. Under the Fair Credit Reporting Act ( FCRA ), inquiries made without my consent are not permissible and should be removed from my credit report immediately. Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the incorrect information on my report persists. To my surprise, I have not received any communication from the Bureaus, and they have already closed my complaint. Can you clarify why my complaint was closed without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, could you provide information on the verification methods they employed? This situation is extremely frustrating, as it has been over XXXX  days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not updated promptly, I will be compelled to consider legal action due to the significant stress this has caused. Furthermore, I am worried about the security of my personal data, especially in light of the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding an inaccurate late payment entry reflected in my credit report. I have maintained a consistent history of timely payments and upon thorough review, I am confident that this particular entry is erroneous.

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 2025-07-30 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: MI

Complaint narrative:
These belong to someone else with the same name they are not mine or it could be fraud. I have been fighting these for years and they keep coming back on. Please remove them permanently. 

Experian XXXXXXXX XXXX  XXXX Original creditor XXXX  Balance {$270.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX  / XXXXXXXX XXXX  Balance {$970.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XXXX Account Status CLOSED Late Payments XXXX Credit Utilization N/A Age of Account XXXX XXXX View details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status CLOSED Late Payments XXXX Credit Utilization N/A Age of Account XXXX XXXX View details Transition Account Number XXXXXXXX XXXX XXXX XXXX XXXX Condition Derogatory Responsibility Individual Current Balance {$19000.00} Original Balance {$17000.00} Limit $ 0 Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Full termination ; balance owing Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$26000.00} Limit $ 0 Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 72 Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Payment after charge off/collection|Repossession ; redeemed Creditor Information XXXXXXXX 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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Business acct flagged for fraud within the first 24 it was opened. Unfunded too so for now reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-30 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
I discovered that I was added as an authorized user on a XXXX XXXX credit card account issued by XXXX XXXX  without my knowledge or consent. I did not authorize this, nor did I give anyone permission to add me to this account. 

I contacted the credit bureaus to dispute the account, but I am requesting that XXXX XXXX  also remove me from this account and stop furnishing this inaccurate information to the credit reporting agencies. 

Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate and verifiable. Since I never agreed to be added to this account, this reporting is both inaccurate and unauthorized.

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 2025-07-30 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further 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 2025-07-30 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-07-30 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: LEXISNEXIS
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   Consumer Center\nP.O. Box XXXX GA XXXXSubject: Formal Dispute  Immediate Deletion of Fraudulent, Inaccurate, and Incorrect Information in Consumer File\nConsumer Number: XXXXCase Number: XXXXXXXXTo Whom It May Concern, \n\nI am filing a formal complaint regarding inaccurate, fraudulent, and incorrect personal and account information being reported in my LexisNexis consumer file, which is causing harm to my credit profile and financial standing.\n\nNumerous names, addresses, phone numbers, and account records are being falsely associated with me. I am requesting immediate deletion of the following inaccurate items:\n\nIncorrect Names to Delete:\n\nAny name variation other than XXXX XXXX XXXX.\nIncorrect Addresses to DeleteXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX MO XXXXCorrect Address (Only):XXXX XXXX XXXX XXXX XXXX MO XXXX\nIncorrect Phone Numbers to Delete:\XXXXCorrect Phone Number:\XXXX\nIncorrect or Fraudulent Accounts to DeleteXXXX XXXX (Acct XXXX XXXX   This storefront installment loan account is inaccurate and does not belong to me. Opened XXXX charged off XXXX XXXX XXXX (XXXX)  Associated with two inaccurate records using incorrect addresses and phone numbers.\nXXXX XXXX XXXX XXXX XXXX)  Not authorized by me and includes false personal information.\nThis misinformation is severely impacting my consumer and financial profile and may result in unfair denial of credit, insurance, or employment. I request that XXXX XXXX XXXX  and all related parties be required to delete or correct all fraudulent and erroneous information.\n\nConsumer Number: XXXXCase Number: XXXXEmail: XXXX\nPhone: XXXX  ask the CFPB to take immediate action to investigate and ensure my rights under the Fair Credit Reporting Act are protected.\XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation