vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Subject : Urgent Identity Theft Dispute Immediate Removal of Fraudulent Accounts Dear [ Experian / Equifax / TransUnion ], I am contacting you to file a formal identity theft complaint and to request the immediate removal of fraudulent accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ). 

While reviewing my credit report in preparation to refinance my vehicle, I discovered multiple accounts that I did not authorize, apply for, or open. Upon contacting the companies involved, I was further advised that the accounts were indeed linked to charges or activities I never approved. 

To be clear, I am not someone unfamiliar to you or the credit system my past credit history is consistent and strong, and it will show no prior patterns of fraudulent or suspicious activity. I am a responsible borrower and consumer, and these fraudulent entries are entirely inconsistent with my record. This situation is not a dispute based on unfamiliarity but a direct result of identity theft. 

Here are the fraudulent accounts that must be removed immediately : XXXXXXXX XXXX XXXX ( XXXX ) Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} ( Annual fee account never authorized by me ) XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} To support my dispute, I have attached : A copy of my FTC Identity Theft Report ( Report Number : XXXX ) A copy of my drivers license for identity verification Proof of my current address Under penalty of perjury, I certify that the information provided is true and correct to the best of my knowledge. 

Per your obligations under the FCRA, specifically 15 U.S.C. 1681c-2, you must block and permanently remove fraudulent information from a consumers credit file once a valid identity theft claim is submitted. I respectfully demand : Immediate removal of the above-listed accounts Written confirmation that these fraudulent accounts have been deleted Updated copies of my credit report reflecting these corrections Please handle this matter with urgency and give it the serious attention it warrants. I have maintained a credible and strong credit profile, and I expect this unauthorized damage to be corrected promptly. 

Sincerely, XXXX XXXX XXXX FTC Identity Theft Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Subject : Urgent Identity Theft Dispute Immediate Removal of Fraudulent Accounts Dear [ Experian / Equifax / TransUnion ], I am contacting you to file a formal identity theft complaint and to request the immediate removal of fraudulent accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ). 

While reviewing my credit report in preparation to refinance my vehicle, I discovered multiple accounts that I did not authorize, apply for, or open. Upon contacting the companies involved, I was further advised that the accounts were indeed linked to charges or activities I never approved. 

To be clear, I am not someone unfamiliar to you or the credit system my past credit history is consistent and strong, and it will show no prior patterns of fraudulent or suspicious activity. I am a responsible borrower and consumer, and these fraudulent entries are entirely inconsistent with my record. This situation is not a dispute based on unfamiliarity but a direct result of identity theft. 

Here are the fraudulent accounts that must be removed immediately : XXXXXXXX XXXX XXXX ( XXXX ) Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} ( Annual fee account never authorized by me ) XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} To support my dispute, I have attached : A copy of my FTC Identity Theft Report ( Report Number : XXXX ) A copy of my drivers license for identity verification Proof of my current address Under penalty of perjury, I certify that the information provided is true and correct to the best of my knowledge. 

Per your obligations under the FCRA, specifically 15 U.S.C. 1681c-2, you must block and permanently remove fraudulent information from a consumers credit file once a valid identity theft claim is submitted. I respectfully demand : Immediate removal of the above-listed accounts Written confirmation that these fraudulent accounts have been deleted Updated copies of my credit report reflecting these corrections Please handle this matter with urgency and give it the serious attention it warrants. I have maintained a credible and strong credit profile, and I expect this unauthorized damage to be corrected promptly. 

Sincerely, XXXX XXXX XXXX FTC Identity Theft Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Email : 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 2025-06-08 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNT : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNT : Account Name : XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-08 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: MS

Complaint narrative:
In XX/XX/XXXX, I disputed a charged-off credit card account from XXXX XXXX XXXX which is reporting negatively on my credit report. I believe this account was opened fraudulently and without my authorization. I provided notice to the credit reporting agencies and requested an investigation under the Fair Credit Reporting Act ( FCRA ), including supporting documents indicating potential identity theft. 

Despite my dispute, the account remains on my credit file with a charge-off balance of {$150.00}, and the status has not been corrected or removed. The account shows it was charged off as of XX/XX/XXXX, with no record of payments made by me and a reported high balance of {$350.00} well above the {$200.00} credit limit. I also noticed no documentation or verification was provided to confirm I was the one who opened or used the account. 

I requested a method of verification from the credit reporting agency and from XXXX XXXX but have not received any supporting documentation, such as a signed application or transaction history that links me to this account. 

This inaccurate and fraudulent information continues to damage my credit, despite my efforts to correct it. I am requesting that the CFPB assist in having this account properly investigated, verified, or removed, in accordance with FCRA Sections 611 and 623.

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 2025-06-08 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: LA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened 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 2025-06-08 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I am writing in response to your [ letter/call ] dated [ date ] regarding an alleged debt you claim I owe. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under this law, I am requesting validation and verification of the alleged debt.

Please provide all of the following information : The name and address of the original creditor ; The amount of the alleged debt, including a breakdown of principal, interest, fees, or other charges ; Proof that you are legally authorized to collect this debt in my state ; A copy of the original signed agreement or contract that authorizes you or the original creditor to collect this debt ; A complete payment history, starting from the origination of the debt ; A statement that verifies the debt has not been paid, settled, or discharged in bankruptcy.

Until you provide proper validation, as required under 15 U.S.C. 1692g ( b ), I request that you cease all collection activities and not report this account to any credit bureaus as unverified. If this debt is already being reported, be advised that reporting unverifiable information to a credit reporting agency is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Additionally, be aware that any attempt to collect a debt without proper validation is a violation of the FDCPA, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

I am requesting all communications regarding this matter be conducted in writing only.

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Subject : Urgent Identity Theft Dispute Immediate Removal of Fraudulent Accounts Dear [ Experian / Equifax / TransUnion ], I am contacting you to file a formal identity theft complaint and to request the immediate removal of fraudulent accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ). 

While reviewing my credit report in preparation to refinance my vehicle, I discovered multiple accounts that I did not authorize, apply for, or open. Upon contacting the companies involved, I was further advised that the accounts were indeed linked to charges or activities I never approved. 

To be clear, I am not someone unfamiliar to you or the credit system my past credit history is consistent and strong, and it will show no prior patterns of fraudulent or suspicious activity. I am a responsible borrower and consumer, and these fraudulent entries are entirely inconsistent with my record. This situation is not a dispute based on unfamiliarity but a direct result of identity theft. 

Here are the fraudulent accounts that must be removed immediately : XXXXXXXX XXXX XXXX ( XXXX ) Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} ( Annual fee account never authorized by me ) XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} To support my dispute, I have attached : A copy of my FTC Identity Theft Report ( Report Number : XXXX ) A copy of my drivers license for identity verification Proof of my current address Under penalty of perjury, I certify that the information provided is true and correct to the best of my knowledge. 

Per your obligations under the FCRA, specifically 15 U.S.C. 1681c-2, you must block and permanently remove fraudulent information from a consumers credit file once a valid identity theft claim is submitted. I respectfully demand : Immediate removal of the above-listed accounts Written confirmation that these fraudulent accounts have been deleted Updated copies of my credit report reflecting these corrections Please handle this matter with urgency and give it the serious attention it warrants. I have maintained a credible and strong credit profile, and I expect this unauthorized damage to be corrected promptly. 

Sincerely, XXXX XXXX XXXX FTC Identity Theft Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Email : 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 2025-06-08 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of late payments, improper handling of financial hardship communication, and the unfair closure of my account with Best Buy / CBNA ( Citibank NA ). This account was opened on XX/XX/XXXX, with a credit limit of {$2000.00} and is now closed with the remarks paid in full for less than full balance. It currently reflects three derogatory late payments ( 30, 60, and 90 days ) leading up to a charge-off and closure in XX/XX/XXXX. 

This credit reporting is both unjust and damaging, particularly because I proactively contacted Citibank in advance to request payment assistance, a hardship plan, and a deferment arrangementspecifically to avoid being marked late. 

In early XX/XX/XXXX, I called CBNA and explained that I was going through an extremely difficult financial period due to personal hardship. I made a good-faith effort to ask for : A temporary payment deferment An opportunity to set up an installment plan Relief from late reporting while I navigated my financial recovery During this call, I was not informed of any formal hardship options, nor was I given clarity on whether my account would avoid derogatory reporting. I was never offered enrollment into any structured hardship program, even though I clearly communicated my willingness to pay and my intention to resolve the balance. 

I was told that I would be allowed some flexibility in making the payment and that my effort to call ahead of time would be noted. However, despite this proactive step, the account was : Marked 30 days late in XXXX XXXX 60 days late in XXXX  90 days late in XXXX, and then Closed in XX/XX/XXXX and reported as Paid in settlement This not only penalizes me for trying to handle the situation responsibly, but it also reflects neglect on the part of the creditor to provide transparency or solutions under the Equal Credit Opportunity Act ( ECOA ), which protects consumers requesting assistance due to financial hardship. 

Additionally, I was never notified in writing that the account would be closed or charged off. There was no follow-up to my original phone call, no outreach regarding alternative solutions, and no validation of debt before the settlement was applied. 

The Paid in settlement remark is also misleading and damaging, as I was never given a chance to discuss or agree to a settlement offer, nor did I request one. I made a payment toward the balance with the intention of paying it off, but it appears CBNA applied it as a settlement without consent. This is a mischaracterization of my actions and financial intent.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
FCRA laws that includes ; Statute of Limitations in Texas and Credit reporting inaccuracy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
FCRA laws that includes ; Statute of Limitations in Texas and Credit reporting inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened 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