vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-22 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
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 FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-22 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 report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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 2025-09-22 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:
The information reported conflicts with my payment history and appears to be erroneous. I request that it be investigated and removed.

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 2025-09-22 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, as proof from the XXXX 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 2025-09-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SOUTHSTATE BANK CORPORATION
State: TX

Complaint narrative:
I opened a XXXX XXXX XXXX XXXXXXXX with Independent Financial. Independent Financial was purchased by SouthState. SouthState instituted a {$5 0.00} for closing your XXXX  XXXX  and transferrin
g the funds to another institution. This was implemented after the fact ( after my opening CD with Independent Financial ), and I never agreed to the fee. If allowed, the fee could have have any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
In XXXX and XXXX XXXX, XXXX suffered data breaches that exposed my personal identifying information, including Social Security number, banking data, and login credentials. Following these breaches, my accounts were accessed without authorization and incorrect names, addresses, and other information appeared on my credit reports. 

Despite filing an FTC Identity Theft Report and disputing directly with the credit bureaus, negative tradelines and inquiries remain on my report. Because XXXX provides data to the credit reporting agencies, the breaches undermine the reliability of any verification process. These accounts and records can not be verified as accurate and should be blocked and removed under the Fair Credit Reporting Act ( FCRA 605B and 611 ).

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 2025-09-22 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 formally challenging entries connected with accounts I did not authorize. Please undertake a full investigation and delete them. Enclosures are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 the victim of identity theft and inaccurate reporting. I have filed an FTC Identity Theft Report ( Report No. XXXX ) and mailed a suppression/dispute package to Experian with supporting documentation. Despite this, Experian continues to report fraudulent and duplicate accounts. 
The following tradelines must be permanently blocked and deleted under FCRA 605B ( 15 U.S.C. 1681c-2 ) and corrected under 611 and 607 ( b ) : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX reported XXXX  times ) XXXX XXXX ( # XXXX reported XXXX  times ) These accounts are fraudulent, duplicated, or inaccurately reported. Some have been reinserted without proper notice, violating 611 ( a ) ( 5 ) ( B I am the victim of identity theft and inaccurate reporting. I have filed an FTC Identity Theft Report ( Report No. XXXX ) and mailed a suppression/dispute package to Equifax with supporting documentation. Despite this, Equifax continues to report fraudulent and duplicate accounts. 



The following tradelines must be permanently blocked and deleted under FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) XXXX XXXX XXXX ( # XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX ) XXXX ( # XXXX and # XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) These accounts are fraudulent, duplicated, or inaccurately reported. 

I am the victim of identity theft and inaccurate reporting. I have filed an FTC Identity Theft Report ( Report No. XXXX ) and mailed a suppression/dispute package to TransUnion with supporting documentation. Despite this, TransUnion continues to report fraudulent and duplicate accounts. 



The following tradelines must be permanently blocked and deleted under FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) These accounts are fraudulent, duplicated, or inaccurately reported.

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 2025-09-22 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2025-09-22 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of several accounts that appear on my Experian credit report in violation of the Fair Credit Reporting Act ( FCRA ). Each of the following accounts is either outdated or inaccurately reported. Please find below the details of each account, the associated FCRA violations, and my request for immediate correction. 
XXXX XXXX Partial Account Number : XXXX This account also exceeds the 7-year limit for reporting negative information. As stated in FCRA 605 ( a ), any negative item older than seven years ( excluding certain bankruptcies ) must be excluded from consumer credit reports.

I therefore request the immediate deletion of this account from my Experian file, as continued reporting constitutes a violation of federal law. 
XXXX XXXX XXXX Partial Account Number : XXXX I previously issued a cease and desist letter to this company under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ). As a result, this account has been removed from both XXXX  and Experian. However, it is still incorrectly reporting on my Experian credit file. Since this item has been removed from the other major bureaus, I am requesting that you conduct an investigation and remove it from XXXX  as well.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Subject : Formal Complaint Invalid Debt Reported by Fair Collections and Outsourcing ( FCO ) To Whom It May Concern, I am submitting this formal complaint regarding a debt that is being reported and/or collected by Fair Collections and Outsourcing ( FCO ) that I do not owe. This collection account is being falsely attributed to me and is negatively affecting my consumer report.

Details of the Account : Collection Agency : Fair Collections and Outsourcing Account Number : Unknown Amount : Unknown Original Creditor : Unknown I am disputing this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, as this is not my debt. I have never had any accounts with the original creditor listed ( if known ), and I have no knowledge of any such obligation. I have requested validation from the collector, and either have not received a response or the information provided does not prove the debt is mine.

This account may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, if it is being reported to the credit bureaus without proper verification. This situation is causing unwarranted harm to my credit standing and personal finances.

I am requesting the CFPB to : 1. Investigate this matter and contact Fair Collections and Outsourcing to require removal of this inaccurate debt ; 2. Ensure that FCO ceases all collection activity until full and proper validation of the debt is provided ; 3. Confirm whether the account has been reported to credit bureaus, and if so, that it be deleted immediately. 

I have attached supporting documentation. I respectfully ask that this matter be reviewed and resolved as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I have been a victim of fraud and identity theft, and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, but they actually have registered different addresses under my name, which I never gave consent for, and now I can't even pull up my Experian account for that matter.I need to have my address updated at the soonest possible time, please, so as to make sure all my information is protected.

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 2025-09-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-22 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: VT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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