vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
My name Is XXXX XXXX. My date of XXXX is XX/XX/year>. my social security number is 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 XXXX XXXX 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, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 XXXXXXXX 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.

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 2025-05-30 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: AZ

Complaint narrative:
TRANSUNION, EQUIFAX, EXPERIAN RE : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS FCRA 605B COMPLIANCE REQUIRED WITHIN 4 BUSINESS DAYS To Whom It May Concern, This letter serves as an official and final notice to immediately remove all fraudulent and unauthorized accounts listed below from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in receipt of a legally sufficient identity theft report, as well as the required signed statement, and I am demanding full compliance with federal law. Per the FCRA : 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Let me be absolutely clear you are now in possession of all four required elements. Failure to act within the legally required four-day period will be viewed as a willful violation of federal consumer protection law, and I am prepared to pursue civil damages and file formal complaints with the CFPB, FTC, and State Attorney Generals office without further notice. THE FOLLOWING FRAUDULENT ACCOUNTS MUST BE BLOCKED AND REMOVED IMMEDIATELY : XXXX XXXX XXXX  Account # XXXX with original creditor XXXX XXXX XXXX XXXXThis account is a result of criminal identity theft and constitute unauthorized use of a credit and medical care.This account was not opened, authorized, nor used by me in any capacity. SIGNED STATEMENT OF NON-AFFILIATION : " I XXXX XXXX, affirm under penalty of perjury that the above-referenced accounts are the result of fraud and identity theft. This account doesnt belong to me and is connected to any transaction or agreement entered into by me. XXXX XXXX XX/XX/year>. Your legal obligation to act is not optional, and the deadline is not negotiable. I expect written confirmation of full deletion of these fraudulent entries and an updated copy of my credit report reflecting these corrections. Do not investigate. Do not verify. Block and remove as required by law. If I do not receive confirmation of compliance within 4 business days of receipt of this notice and supporting documents, I will proceed with immediate legal action. Consider this your final opportunity to avoid liability. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
TRANSUNION, EQUIFAX, EXPERIAN RE : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS FCRA 605B COMPLIANCE REQUIRED WITHIN 4 BUSINESS DAYS To Whom It May Concern, This letter serves as an official and final notice to immediately remove all fraudulent and unauthorized accounts listed below from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in receipt of a legally sufficient identity theft report, as well as the required signed statement, and I am demanding full compliance with federal law. Per the FCRA : 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Let me be absolutely clear you are now in possession of all four required elements. Failure to act within the legally required four-day period will be viewed as a willful violation of federal consumer protection law, and I am prepared to pursue civil damages and file formal complaints with the CFPB, FTC, and State Attorney Generals office without further notice. THE FOLLOWING FRAUDULENT ACCOUNTS MUST BE BLOCKED AND REMOVED IMMEDIATELY : XXXX XXXX XXXX  Account # XXXX with original creditor XXXX XXXX XXXX XXXXThis account is a result of criminal identity theft and constitute unauthorized use of a credit and medical care.This account was not opened, authorized, nor used by me in any capacity. SIGNED STATEMENT OF NON-AFFILIATION : " I XXXX XXXX, affirm under penalty of perjury that the above-referenced accounts are the result of fraud and identity theft. This account doesnt belong to me and is connected to any transaction or agreement entered into by me. XXXX XXXX XX/XX/year>. Your legal obligation to act is not optional, and the deadline is not negotiable. I expect written confirmation of full deletion of these fraudulent entries and an updated copy of my credit report reflecting these corrections. Do not investigate. Do not verify. Block and remove as required by law. If I do not receive confirmation of compliance within 4 business days of receipt of this notice and supporting documents, I will proceed with immediate legal action. Consider this your final opportunity to avoid liability. Sincerely, 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 2025-05-30 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: CA

Complaint narrative:
I am requesting the immediate removal or correction of the following inaccurate or unverifiable accounts reported by Equifax. I submitted a CFPB complaint on XX/XX/year>, but I have not seen any open disputes, removals, or updates reflected on my Equifax credit report. The response stated the dispute was complete, but no changes appear to have been made and no documentation was provided to justify continued reporting. 

The following accounts must be addressed : XXXX  ( Equifax Single Account Reporting ) There is currently XXXX remaining XXXX XXXX account on my Equifax credit report that is being reported inaccurately : This account is listed as a charge-off with a monthly payment of {$0.00} for XXXX  months, which is not accurate or contractually valid. 

Additionally, this loan was paid in full through an aXXXX XXXX. It was not included in any XXXX, and any implication of such is incorrect. 

I have previously disputed this with Equifax, but I have not received any verification or correction. The reporting remains inaccurate and misleading. 
XXXX XXXX XXXX XXXX This was a voluntary surrender. 

The vehicle was auctioned, but the balance listed is incorrect and has never been properly validated. 

I previously disputed this with Equifax and received no documentation. It should be deleted. 

XXXX XXXX XXXX XXXX  This debt was sold to a third party, and XXXX XXXX  continues to report a balance. 

Reporting this account as a charge-off while no longer holding the debt is misleading and harmful. It must be removed. 

XXXX / The reported payment history is inaccurate. 

While I acknowledge the account was mine, I request removal of this tradeline due to incorrect payment reporting and unresolved dispute status. 

XXXX XXXX XXXX XXXX XXXX I never authorized any relationship with this collection agency. 

I have not received validation of this debt from Equifax or the collector. This item must be immediately deleted. 

XXXX  The account shows Paid in full or charged off, but the debt was sold, and I was never provided proof of charge-off or verification of balance. 

This account must be removed due to Equifaxs failure to validate upon request. 

XXXX  ( XXXX XXXX ) The XXXX  XXXX was dismissed. 

Equifax has not provided any verification from the court to support continued reporting of these public records. 

I request full deletion under FCRA guidelines. 

I am not requesting a new reinvestigation these disputes were previously submitted and closed without any documentation. Equifax has failed to verify these tradelines as required by FCRA 611 and 607 ( b ). Therefore, the only fair resolution is to remove the inaccurate items and all unverified public record entries from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: CA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiry that I did not authorize on my credit report. Here is the fraudulent inquiry. I also attached my identity theft report as well. 

XXXX XX/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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My credit score was dropped XXXX points because I paid off my car loan and XXXX closed the account since the contract ended. My loan went full term XXXX with no late payments and all the payments were made on time per the contract. So it was closed so they Experian dropped my score XXXX points. They also said my credit card balance inaccurate it's paid off in full every month with no late fees or payments. I have only a XXXX percent use of my credit availability. Then they said I could raise it if I buy there boost program. This the second time they have done this. I'm a female and I feel they are hurting my score to sell there products. Also discriminating against me since I complained.

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 2025-05-30 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: FL

Complaint narrative:
This is my XXXX  request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within XXXX  days. Where is it? 
XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
Charge off Equifax ) XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$20000.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8600.00} XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: VA

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$610.00} Inquiries XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-05-30 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: VA

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$610.00} Inquiries XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/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