vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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 am submitting this follow-up complaint to formally dispute multiple unresolved inaccuracies that continue to appear on my credit reports maintained by Equifax, Experian, and TransUnion. Despite my prior disputes, these inaccuracies remain uncorrected, resulting in continued harm to my creditworthiness and violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

My reports still contain incorrect personal addresses, inconsistent late payments, unverifiable charge-offs, and unauthorized credit inquiries. These errors include addresses that are not associated with me, such as : 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 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 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 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 

These inquiries were not authorized by me, and I did not apply for credit with these entities. Their appearance on my credit reports raises serious concerns regarding data accuracy and compliance with FCRA reporting standards.

Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Under FCRA 1681i ( a ), all disputed information must be fully and reasonably investigated, including direct verification with furnishers.

Additionally, FCRA 611 ( a ) and 1681e ( b ) require that unverifiable, inaccurate, or incomplete information be deleted or updated promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this follow-up complaint to formally dispute multiple unresolved inaccuracies that continue to appear on my credit reports maintained by Equifax, Experian, and TransUnion. Despite my prior disputes, these inaccuracies remain uncorrected, resulting in continued harm to my creditworthiness and violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

My reports still contain incorrect personal addresses, inconsistent late payments, unverifiable charge-offs, and unauthorized credit inquiries. These errors include addresses that are not associated with me, such as : 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 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 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 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 

These inquiries were not authorized by me, and I did not apply for credit with these entities. Their appearance on my credit reports raises serious concerns regarding data accuracy and compliance with FCRA reporting standards.

Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Under FCRA 1681i ( a ), all disputed information must be fully and reasonably investigated, including direct verification with furnishers.

Additionally, FCRA 611 ( a ) and 1681e ( b ) require that unverifiable, inaccurate, or incomplete information be deleted or updated promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
Going over my credit report I see late payments being reported that are not correct abd violate - FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a proper reinvestigation - FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain maximum possible accuracy - FCRA 623 ( a ) ( 1 ) ( A ) Prohibition on furnishing information known to be inaccurate - FCRA 623 ( a ) ( 3 ) Duty to provide notice of dispute to consumer reporting agencies Please investigate these agencies and take enforcement action for their willful and negligent handling of my credit profile

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 2025-10-02 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:
To Whom It May Concern : Re : Formal Dispute and Cease Reporting of Inaccurate Information Account # [ Your Account Number ] I am writing to formally dispute and demand the immediate removal of inaccurate late payment entries being reported on my credit file in relation to the above-referenced student loan account.

This account is currently in deferment with payments deferred until July 2035. Under federal law and loan terms, no payments are due at this time. Reporting late payments during deferment is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). 
Additionally, I have a pending XXXX XXXX to Repayment application filed in connection with my attendance at XXXX University, which is under federal review. Until that process is resolved, no adverse or negative credit reporting should be made on this account. 
Demand : Immediately cease reporting any alleged late payments on this account. 
Remove all inaccurate late payment notations currently reported. 
Provide written confirmation of corrections to my credit report within 30 days as required under the FCRA. 
Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and any other applicable regulatory bodies, as well as pursuing all remedies available under law. 
Please treat this matter with urgency and ensure my rights as a consumer are fully upheld. 
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 2025-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
DEBIT THAT HAS BEEN DISMISSED BY THE COURTS AND STILL BEING REPORTED ON CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am being improperly charged interest on my Apple Card despite always paying my full statement balance in full and on time. 

Timeline : XXXX statement ( due XX/XX/year> ) : I paid the full statement balance on time. Because Apple Card uses a hidden cutoff ( XXXX PM PT instead of midnight ), my payment posted XX/XX/XXXX. I was charged ~ {$52.00} in interest. After filing a CFPB complaint, Goldman Sachs did not remove the {$52.00} charge. Instead, they left it on my account and applied a {$25.00} interest adjustment credit. That means the improper charge remains in my history, only partially offset. 
XXXX statement ( due XX/XX/year> ) : I again paid the full statement balance, much earlier in the day, before the cutoff. The only amount left now is the outstanding/current balance ( new purchases ), which is not due until XX/XX/year>. Despite paying the statement balance in full, Apple Card has now charged me ~ {$22.00} in new interest. 

Misrepresentations by XXXX XXXX XXXX supervisor ( XXXX ) told me this was residual interest, which applies only if a balance is carried from month to month. But I never carried a balance. 
Another supervisor told me that all interest charges are followed by a XXXX  and require XXXX consecutive payments to stop. That language does not exist in the Apple Card Customer Agreement and directly contradicts XXXX  own terms, which say : When you pay your monthly balance in full every month on or before the due date, you wont be charged interest. 
Apple Card is effectively billing me XXXX rounds of interest for the same issue. 

This is improper billing, misrepresentation, and a compliance issue under the XXXX XXXX. 

Case reference : XXXX. Call with XXXX XXXX Apple Card supervisor on XX/XX/year> around XXXX PM. Screenshots of contradictory explanations and charges are available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 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: LEXISNEXIS
State: GA

Complaint narrative:
lexisnexis and XXXX are violating my privacy by reporting my bankruptcies. 15 uc code 1681 a ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding multiple items on my credit report that are inaccurate, fraudulent, and severely damaging my credit profile. Despite my prior request, these items remain and continue to harm my creditworthiness. I am reiterating my demand for their permanent removal, not correction, to fully restore the accuracy and integrity of my credit report. 
My only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other addresses listed on my report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are inaccurate and not associated with me. Reporting these addresses violates FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, my report still shows late closed accounts that are inaccurate : XXXX  XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * *, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * *, which violate FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
My report also contains a collection account that is inaccurate : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4800.00}, which violates FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Finally, my report continues to list unauthorized inquiries, including XXXX XXXX on XX/XX/year> and XXXX XXXXn XX/XX/year>, which violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 605B ( 15 U.S.C. 1681c-2 ), as I never provided consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding multiple items on my credit report that are inaccurate, fraudulent, and severely damaging my credit profile. Despite my prior request, these items remain and continue to harm my creditworthiness. I am reiterating my demand for their permanent removal, not correction, to fully restore the accuracy and integrity of my credit report. 
My only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other addresses listed on my report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are inaccurate and not associated with me. Reporting these addresses violates FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, my report still shows late closed accounts that are inaccurate : XXXX  XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * *, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * *, which violate FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
My report also contains a collection account that is inaccurate : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4800.00}, which violates FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Finally, my report continues to list unauthorized inquiries, including XXXX XXXX on XX/XX/year> and XXXX XXXXn XX/XX/year>, which violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 605B ( 15 U.S.C. 1681c-2 ), as I never provided 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 non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES 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 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
I am a victim of identity theft. A fraudulent account with XXXX Bank was allegedly opened in my name and later sold to Spring Oaks Capital LLC. 

On XX/XX/XXXX, Spring Oaks Capital began reporting this collection account for {$16000.00} on my credit file. 

I disputed this account with all credit bureaus and submitted a police report and FTC Identity Theft Affidavit. The account was removed from my credit reports after my documentation was accepted. 

On or about XX/XX/XXXX, this account was reinserted on my reports and listed as verified by Spring Oaks Capital, even though I am not responsible for this debt. 

I contacted XXXX Bank directly to confirm whether this account belonged to me. They never responded or provided validation. 


This reinsertion is unlawful : FCRA 611 ( a ) ( 5 ) ( B ) : Requires bureaus to notify me within 5 days of reinsertion and provide certification from the furnisher. I never received this notice. 

FCRA 605B : Requires blocking of identity theft accounts when supported by a police report. The bureaus failed to honor this. 

FDCPA 809 : Spring Oaks Capital is attempting collection and credit reporting without providing proper validation. 

XXXX Bank has failed to respond to my direct dispute and request for validation, further proving this account is unverifiable. 


What I have done : Filed a police report for identity theft. 

Submitted an FTC Identity Theft Affidavit. 

Disputed the account directly with XXXX, XXXX, and XXXX. 

Sent documentation requesting permanent blocking under FCRA 605B. 

Contacted XXXX Bank for verification and validation of this account, but they did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am disputing the accuracy of the account reported by Pentagon Federal Credit Union. The account is being reported as Closed/Charge-Off with a {$0.00} balance. Reporting both a {$0.00} balance and a charge-off status is inconsistent and misleading, as a charged-off account typically reflects an amount written off as a loss. This conflicting reporting creates confusion and violates the FCRAs requirement for maximum possible accuracy. My prior disputes have not corrected this issue.

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 2025-10-02 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Inquiries : XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX - XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX - XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX - Fraudulent Accounts : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account 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