vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: TN

Complaint narrative:
I am writing to dispute the accuracy and authorization of several hard inquiries currently being reported on my Equifax credit file. These inquiries were not authorized by me for the purpose of obtaining credit, and therefore constitute inaccurate and unverifiable information. 
Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds for Removal : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires credit reporting agencies to block and remove any information resulting from identity theft or unauthorized use once notified by the consumer.

15 U.S.C. 1681i : Mandates a reasonable reinvestigation of disputed information within 30 days and deletion of any item that can not be verified.

15 U.S.C. 1692g ( FDCPA ) : Requires furnishers/collectors to validate debts before reporting. Inquiries made without my express consent can not be verified as permissible under the FCRA.

15 U.S.C. 68016802 ( GLBA ) : Requires the protection of my nonpublic personal information from unauthorized use and reporting.

Metro 2 Compliance : The reporting of these inquiries fails to comply with the Metro 2 formats accuracy and permissible purpose requirements for hard inquiries.

Action Requested : I demand the immediate removal of the above-listed inquiries from my Equifax credit file. Please provide : 1. The method of verification for each inquiry, including the name, address, and telephone number of the party that initiated it.

2. A copy of the original authorization bearing my signature granting permission for the inquiry.

If you can not verify the legal permissibility of these inquiries within 30 days as required by 15 U.S.C. 1681i, you must delete them immediately. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General for violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Date : XX/XX/year>2025 To : Credit Acceptance Corporation XXXX XXXX XXXX XXXX, MI XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Email : XXXX Phone : XXXX Subject : Goodwill Adjustment Request Credit Reporting Re : Account XXXX XXXX Dear Credit Acceptance Corporation, I am writing to respectfully request a goodwill adjustment regarding the reporting of late payments on the above-referenced account. While I acknowledge there were late payments in the past, all past-due amounts have been paid in full, and the account has been maintained in good standing since that time. My prior late payments were the result of temporary financial hardship, but since then I have taken steps to ensure timely payments, including setting up payment reminders and automatic drafts. The continued reporting of these late paymentsdespite the account being paid as agreedis negatively impacting my credit and creating difficulty in obtaining necessary credit. Legal Considerations : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that furnishers of credit information ensure that the data they report is accurate and not misleading. While factually correct, the continued reporting of old late payments without context can misrepresent my current creditworthiness. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e prohibits any false, deceptive, or misleading representation, which includes reporting that could distort a consumers present financial standing. Resolution Request : As a gesture of goodwill, I am requesting that Credit Acceptance Corporation update this account to reflect a positive payment history by removing the late payment notations from my credit report. This adjustment would more accurately represent my current responsible credit behavior and would support my efforts to rebuild my credit standing. I sincerely appreciate your time, consideration, and the service your company has provided. Please provide written confirmation of your decision regarding this request. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Email : XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MN

Complaint narrative:
XXXX XXXX has removed an open and in good standing account that I have with XXXX XXXX. This account has been open since February 2005 25 and is currently open now this is a major credit card company that ran my credit and my name and social in order for me to be a current card holder this has been reflecting positive on my credit report for the last XXXX months with 100 % of payments on time. Why would my original complaint contact XXXX XXXX or contact credit XXXX or XXXX XXXX or any other credit bureau and have them removed and open account that should be on my credit report as it is reflecting, trustworthiness, and credit limits and payments. I again XXXX asking that you resolve this immediately by completely adding back on my XXXX XXXX account, which cant be verified. That is open current never missed the payment on time 100 % payments on time There is a total misunderstanding by communicating only through social media or through these services online it takes all of the human interaction out and things are confused and people are just completely miscommunicating. There are tons of communicational barriers so I would appreciate a phone call at area code XXXX. The old number on file is inaccurate so please update this to my current all three all XXXX of my current complaints

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, 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. 

Please remove the following item from my credit report immediately : Account Name : Diversified Adjustment Original Creditor : XXXX Balance : {$6200.00} Date Opened : XX/XX/year> Status : Collection account, {$6200.00} past due as of XX/XX/year> Past Due Amount : {$6200.00} XXXX XXXX XXXX Installment account XXXX late payments ( multiple XXXX lates ) Status : Paid or paying as agreed Comment : Repossession ; redeemed Balance : {$28000.00}. 

XXXX  Overdraft/reserve checking account Charged off as bad debt XXXX : {$200.00} Comment : Canceled by credit grantor. 

XXXX XXXX XXXX account Charged off as bad debt XXXX : {$3300.00} Comment : Profit and loss write-off. 

XXXX XXXX account Settled for less than full balance XXXX : {$0.00}. 


I have uploaded a screenshot the FTC report I have made for these. The report number is 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 2025-08-10 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: MN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, 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. 

Please remove the following item from my credit report immediately : Account Name : Diversified Adjustment Original Creditor : XXXX Balance : {$6200.00} Date Opened : XX/XX/year> Status : Collection account, {$6200.00} past due as of XX/XX/year> Past Due Amount : {$6200.00} XXXX XXXX XXXX Installment account XXXX late payments ( multiple XXXX lates ) Status : Paid or paying as agreed Comment : Repossession ; redeemed Balance : {$28000.00}. 

XXXX  Overdraft/reserve checking account Charged off as bad debt XXXX : {$200.00} Comment : Canceled by credit grantor. 

XXXX XXXX XXXX account Charged off as bad debt XXXX : {$3300.00} Comment : Profit and loss write-off. 

XXXX XXXX account Settled for less than full balance XXXX : {$0.00}. 


I have uploaded a screenshot the FTC report I have made for these. The report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
Subject : Formal CFPB Complaint Remove the Account Reported by Equifax That Is Inaccurate and Unverifiable Dear Consumer Financial Protection Bureau, Remove the XXXX XXXX XXXX XXXX account from my Equifax credit report immediately. This account is inaccurate, unverifiable, and has been disputed three separate times, including a formal CFPB complaint, yet Equifax continues to report it without providing any proof of verification from the furnisher, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amount Charged Off : {$39000.00} Status : Collection/Charge-off Marked as resolved without proof of verification Inaccuracies in the Equifax Report : Payment History Errors : Continuous CO ( Charge-off ) notations for multiple months, misleading and inaccurate for a closed account. 

Balance Discrepancy : Equifax reports {$39000.00}, while other bureaus report a different balance.

Past Due Amount Error : Full balance is reported as past due, which is incorrect for a charged-off account.

No Update After Dispute : No correction or deletion made despite multiple disputes.

False Dispute Status : Listed as Account not disputed despite three prior disputes, including through the CFPB.

No Proof of Verification : No documentation from the furnisher has been provided to substantiate the reporting.

Violations of the FCRA Include : 611 ( a ) ( 5 ) ( A ) ( ii ) 15 U.S.C. 1681i ( 5 ) : Failure to delete disputed information after unresolved reinvestigation.

611 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ) : Failure to provide proof and method of verification.

623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or unverifiable information.

This violation has caused severe harm. I am in the process of purchasing a home for my family, but this false reporting has stopped me from moving forward. The financial damage and emotional distress from Equifaxs noncompliance have negatively affected my health and well-being.

I demand : Immediate removal of the XXXX XXXX XXXX XXXX account from my Equifax credit file.

Written confirmation of removal.

Full disclosure of any verification documents allegedly used to maintain this reporting.

I request that the CFPB take immediate enforcement action against Equifax to ensure compliance with the FCRA and to correct my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
Subject : Formal CFPB Complaint Remove the Account Reported by Equifax That Is Inaccurate and Unverifiable Dear Consumer Financial Protection Bureau, Remove the XXXX XXXX XXXX XXXX account from my Equifax credit report immediately. This account is inaccurate, unverifiable, and has been disputed three separate times, including a formal CFPB complaint, yet Equifax continues to report it without providing any proof of verification from the furnisher, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amount Charged Off : {$39000.00} Status : Collection/Charge-off Marked as resolved without proof of verification Inaccuracies in the Equifax Report : Payment History Errors : Continuous CO ( Charge-off ) notations for multiple months, misleading and inaccurate for a closed account. 

Balance Discrepancy : Equifax reports {$39000.00}, while other bureaus report a different balance.

Past Due Amount Error : Full balance is reported as past due, which is incorrect for a charged-off account.

No Update After Dispute : No correction or deletion made despite multiple disputes.

False Dispute Status : Listed as Account not disputed despite three prior disputes, including through the CFPB.

No Proof of Verification : No documentation from the furnisher has been provided to substantiate the reporting.

Violations of the FCRA Include : 611 ( a ) ( 5 ) ( A ) ( ii ) 15 U.S.C. 1681i ( 5 ) : Failure to delete disputed information after unresolved reinvestigation.

611 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ) : Failure to provide proof and method of verification.

623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or unverifiable information.

This violation has caused severe harm. I am in the process of purchasing a home for my family, but this false reporting has stopped me from moving forward. The financial damage and emotional distress from Equifaxs noncompliance have negatively affected my health and well-being.

I demand : Immediate removal of the XXXX XXXX XXXX XXXX account from my Equifax credit file.

Written confirmation of removal.

Full disclosure of any verification documents allegedly used to maintain this reporting.

I request that the CFPB take immediate enforcement action against Equifax to ensure compliance with the FCRA and to correct my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A merchant delcared bankruptcy which a=did not allow for return of purchased items. XXXX was made away, during this process not= returns were allowed. XXXX reported to credit bureaus a late payment of XXXX days. this 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 explanation
Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to 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 2025-08-10 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I pulled my credit report and is showing XXXX different names, the only name I have ever had was XXXX XXXX no middle name. It reporting XXXX different addresses and the only address need to be XXXX XXXX XXXX XXXX, SC XXXX, and XXXX different telephone numbers that need to be removed totally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I was a victim of Identity Theft about 4 years ago and I have been trying get to the bottom of everything that has transpired. I'm seeing a series of different accounts I am not familiar with. It's all very overwhelming and draining. Below is a list of the accounts in question. I will also submit my personal information below such as ssn, proof of address, and XXXX dispute letters to XXXX XXXX XXXX XXXX, etc. 

Negative & Derogatory Accounts XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX OF XXXX Account ending in XXXX XXXX. XXXX XXXX OF XXXX Account ending in XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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