vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$14000.00} that appears related to the aforementioned personal loan account opened at XXXX 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Charge-O Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-o account referenced below as it is erroneous. 
Account Details : Account Name : XXXX XXXX Account Number : XXXX Reported Charge-O Date : XX/XX/year> Disputed Amount : {$4600.00} I believe the charge-o in question is inaccurate, and I request that you verify its accuracy with the creditor. 
The FCRA, under Section 1681b ( 2 ), mandates that any negative information reported about me must be accurate and reffect the truth. Furthermore, Section 611 of the FCRA requires that you conduct a thorough investigation into this matter and remove any information found to be inaccurate. 
If the creditor can not provide sufficient proof of the validity of this charge-o, or if you can not verify the accuracy of the entry, I request that the charge-o be removed from my credit report as required by law.

Please inform me of the outcome of your investigation within the 30-day time frame set forth by the FCRA.

If you fail to respond within this period, I expect the charge-o to be removed in compliance with the law. 
Thank you for your prompt attention to this matter. I look forward to your response

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 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Insert Todays Date ] To Whom It May Concern, This letter is a formal request for debt validation and immediate removal of unauthorized or unverified inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 604.

Upon reviewing my credit report, I noticed several hard inquiries listed that I do not recall authorizing. I am requesting that you provide the following information for each inquiry : 1. Proof that I gave written authorization for the inquiry.

2. The date and method of the authorization.

3. The name and contact information of the party who initiated the inquiry.

Under the FCRA, you are required to provide documentation that verifies my consent. If you can not provide this information within 30 days of receiving this letter, all related inquiries must be removed from my credit report immediately.

Please treat this letter as a formal dispute and investigation request. If you are unable to validate the inquiries, they must be deleted from my credit file, as required by federal law.

You may send all correspondence to my mailing address listed above.

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Despite submitting two rounds of formal letters detailing incorrect inquiries on my credit report, these inaccuracies have not been removed. This is causing undue harm to my credit standing. I request your immediate intervention to ensure these erroneous inquiries are deleted as previously requested and in accordance with fair credit reporting practices.

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 2025-04-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Despite submitting two rounds of formal letters detailing incorrect inquiries on my credit report, these inaccuracies have not been removed. This is causing undue harm to my credit standing. I request your immediate intervention to ensure these erroneous inquiries are deleted as previously requested and in accordance with fair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

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 2025-04-10 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: MO

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I received my direct deposit to the account and I tried to get some money from the ATM and it got refused multiple times I contacted customer service they wouldn't give me an answer to keep sending me a link to update my information and driver license and verify my identity and I verified it 3 times and it got accepted on the website but they keep asking me to send it again and again and again and again and I've been online chatting with them for the last 4 hours they keep sending me from agentts and other agents from agents and other agents and promising to help me take care of me then they leave me hanging And the chat ends then you have to go again explain everything from the beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I saw a dept collections on my account I never purchase something like that and I make sure all my account is paid off I still have it on my credit report nobody wants to show me no proof of me owning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-10 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: LA

Complaint narrative:
Subject : Formal Cease and Desist Demand and Notice of Intent to Sue under FCRA 1681n and 1681o To Whom It May Concern, I, XXXX XXXX XXXX, am writing to serve formal notice of cease and desist regarding the continued collection, reporting, and dissemination of false and harmful credit information in my consumer report. This letter is to put you on legal notice that you are in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) specifically under 15 U.S.C. 1681n and 1681o, due to : 1. Failure to investigate disputed information as required under 15 U.S.C. 1681i ; 2. Failure to maintain reasonable procedures to ensure accuracy as mandated by 15 U.S.C. 1681e ( b ) ; 3. Ongoing reporting of inaccurate, incomplete, and harmful data even after formal disputes were raised ; 4. Negligent and/or willful noncompliance with FCRA resulting in provable financial and emotional harm.

Specific Harms & Damages Incurred : Denial of credit and housing opportunities ; Higher interest rates and adverse lending decisions ; Emotional distress due to reckless reporting and failure to correct ; Loss of reputation and diminished financial trustworthiness.

Legal Demand : Pursuant to my rights under the FCRA, I hereby demand the following : 1. Permanent removal and cessation of all reporting of any credit information associated with me across your systems and any third-party vendors.

2. Written confirmation of the removal within 30 days from the receipt of this letter.

3. Compensation for actual and statutory damages, including attorneys fees and legal costs associated with your violations, as outlined under 15 U.S.C. 1681n and 1681o.

4. Disclosure of all third parties to whom you have furnished any incorrect or disputed information.

Failure to Comply : If your offices do not respond to this demand within 30 days, or if you continue to disseminate my information without lawful basis, I will initiate formal civil proceedings in either state or federal court, seeking : Actual damages ; Statutory damages of up to {$1000.00} per violation ; Punitive damages where applicable ; Injunctive relief ; and Attorneys fees and court costs.

This is not an idle threat. It is a legal necessity in response to your disregard of federal protections guaranteed to me under the FCRA.

Preserve All Records : You are hereby instructed to preserve all records related to my file, disputes, internal investigations, and communications to ensure no spoliation of evidence occurs. 



Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
Subject : Formal Cease and Desist Demand and Notice of Intent to Sue under FCRA 1681n and 1681o To Whom It May Concern, I, XXXX XXXX XXXX, am writing to serve formal notice of cease and desist regarding the continued collection, reporting, and dissemination of false and harmful credit information in my consumer report. This letter is to put you on legal notice that you are in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ) specifically under 15 U.S.C. 1681n and 1681o, due to : 1. Failure to investigate disputed information as required under 15 U.S.C. 1681i ; 2. Failure to maintain reasonable procedures to ensure accuracy as mandated by 15 U.S.C. 1681e ( b ) ; 3. Ongoing reporting of inaccurate, incomplete, and harmful data even after formal disputes were raised ; 4. Negligent and/or willful noncompliance with FCRA resulting in provable financial and emotional harm.

Specific Harms & Damages Incurred : Denial of credit and housing opportunities ; Higher interest rates and adverse lending decisions ; Emotional distress due to reckless reporting and failure to correct ; Loss of reputation and diminished financial trustworthiness.

Legal Demand : Pursuant to my rights under the FCRA, I hereby demand the following : 1. Permanent removal and cessation of all reporting of any credit information associated with me across your systems and any third-party vendors.

2. Written confirmation of the removal within 30 days from the receipt of this letter.

3. Compensation for actual and statutory damages, including attorneys fees and legal costs associated with your violations, as outlined under 15 U.S.C. 1681n and 1681o.

4. Disclosure of all third parties to whom you have furnished any incorrect or disputed information.

Failure to Comply : If your offices do not respond to this demand within 30 days, or if you continue to disseminate my information without lawful basis, I will initiate formal civil proceedings in either state or federal court, seeking : Actual damages ; Statutory damages of up to {$1000.00} per violation ; Punitive damages where applicable ; Injunctive relief ; and Attorneys fees and court costs.

This is not an idle threat. It is a legal necessity in response to your disregard of federal protections guaranteed to me under the FCRA.

Preserve All Records : You are hereby instructed to preserve all records related to my file, disputes, internal investigations, and communications to ensure no spoliation of evidence occurs. 



Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2025-04-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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