vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-25 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute certain information on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2, Section 605b, concerning identity theft. I recently discovered unauthorized transactions that have adversely affected my credit profile and wish for them to be rectified 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
Consumer complaint received 2025-04-25 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:
I check my credit report I and see some thing not my, that will unfair to me : 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 under 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, Iam demanding the deletion of the accounts listed immediately! 
XXXX XXXX XXXX ( open XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( open XX/XX/XXXX ) XXXX XXXX XXXX ( open XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( open XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( open 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 2025-04-25 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:
I check my credit report I and see some thing not my, that will unfair to me : 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 under 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, Iam demanding the deletion of the accounts listed immediately! 
XXXX XXXX XXXX ( open XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( open XX/XX/XXXX ) XXXX XXXX XXXX ( open XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( open XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( open XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there is a bankruptcy on my credit report that does not belong to me. It belongs to my ex-husband and I informed them and requested that it be taken off. It never was and then I got a letter saying that it was verified and when I asked how it verified they never responded. This bankruptcy needs to come off 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
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-25 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-25 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Statement Regarding Fraudulent Accounts Due to Identity Theft I am submitting this formal statement to dispute and report the presence of two fraudulent accounts that have been listed on my credit reports with the three major credit reporting agencies : XXXX XXXX XXXX XXXX These accounts were opened without my authorization and are the direct result of identity theft. 

The accounts in question are : GM Financial Account # XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX Account # XXXX Balance : {$31000.00} I have no knowledge of or affiliation with these accounts. I did not apply for credit with these entities, nor did I authorize anyone to do so on my behalf. Their presence on my credit file constitutes fraudulent activity resulting from the unauthorized use of my personal information.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting the immediate and permanent blocking and removal of these accounts from all of my consumer credit reports. Under this statute, victims of identity theft have the right to have fraudulent accounts and related information removed from their credit files. 

Furthermore, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), credit reporting agencies are required to conduct a reasonable reinvestigation into disputed information. The continued reporting of these accounts after being made aware of their fraudulent nature would violate this obligation.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), it is unlawful for a debt collector to report information to a credit bureau that is known or should be known to be false, including debts that result from identity theft. As reinforced by the decision in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ), any collection activity tied to these fraudulent accounts would represent a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Marriage Name : XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX D.C. XXXX Dispute of Inaccurate Collection Account by XXXX XXXX XXXX Violation of FCRA & FDCPA Dear CFPB Representative, I am filing this formal complaint and dispute against * * XXXX XXXX XXXX * * for inaccurately reporting and attempting to collect on a debt that I am * * not legally responsible for * *, in violation of the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *. 


The account in question is related to a past residential lease at XXXX XXXX This lease was primarily held and financially managed by my ex-husband, XXXX XXXX, who was the Lease Holder. I vacated the property well before the charges in question were incurred. I have no legal obligation to this debt, and XXXX  continued efforts to collect from me and report this on my credit file are false, misleading, and unlawful. 

XXXX has failed to provide proper debt validation upon request and continues to report this unverifiable and inaccurate account to credit bureaus, causing substantial harm to my credit profile. Their actions violate the following : - * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 * * : XXXX is knowingly furnishing inaccurate information to credit reporting agencies, despite having received notice of the dispute and evidence disputing my responsibility. 

- * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692g * * : XXXX is using false, deceptive, and misleading representations in connection with the collection of a debt and has failed to properly validate the debt upon request. 


I am requesting immediate action to have this account * * removed from my credit report * * and to * * investigate XXXX 's collection practices * *. XXXX must cease all collection activity. I request a full investigation and written confirmation of the outcome. 

Thank you for your assistance in ensuring my consumer rights are upheld. 

Sincerely, 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I turned XXXX and requested a cooy of my credit report with my name, physical and mailing address, social security number and date of birth. They have an incorrect date of birth for me and wont correct it despite sending my drivers license proof of address amd proof of social security number. My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 
My physical address is XXXX XXXX XXXX XXXX GA 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Demand for Compliance FTC Report File Dispute Regarding Fraudulent XXXX XXXX XXXXXXXX Account # XXXX Dear Equifax Dispute Department, I am formally demanding immediate corrective action regarding Equifaxs wrongful rejection of my Federal Trade Commission ( FTC ) report file related to fraudulent activity on a XXXX XXXX XXXXXXXX account ( # XXXX ) that does not belong to me. Despite providing all necessary documentation proving this account is fraudulent, Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This refusal is both unacceptable and unlawful.

Legal Violations Committed by Equifax : Failure to Investigate Disputes ( FCRA 611, 15 U.S.C. 1681i ) Equifax is legally required to investigate disputes related to inaccurate or fraudulent credit reporting. Rejecting my FTC report without proper justification is a direct violation of this provision. 
Failure to Maintain Accurate Credit Reports ( FCRA 607, 15 U.S.C. 1681e ) Credit reporting agencies must ensure consumer credit files are truthful and accurate. By failing to remove fraudulent information despite clear evidence, Equifax is in violation of this requirement.

Unfair Business Practices and Consumer Harm Equifax has a well-documented history of negligence in handling consumer data, as demonstrated by prior lawsuits and settlements. The refusal to address fraud-related disputes further proves systemic misconduct. 
Documentation Provided : I have submitted all required documents, including : My FTC fraud report detailing the fraudulent account. 
A copy of my government-issued identification.

Any relevant correspondence regarding this issue.

Immediate Demands : I require that Equifax : Immediately accept and process my FTC report file.

Conduct a thorough investigation into fraudulent activity associated with XXXX XXXX XXXXXXXX account # XXXX. 
Remove all fraudulent information related to this account from my credit report. 
Provide written confirmation of corrective actions within 30 days. 
If Equifax fails to meet these legal obligations, I will escalate this matter further by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action.

This is a final notice. Immediate compliance is expected.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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 recently reviewed a copy of my credit report and noticed a fraudulent account on it. Please remove this account from my report. It is hurting my ability to obtain credit.

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