vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: OH

Complaint narrative:
XXXX XXXX [ Your Current Address ] [ City, XXXX, ZIP Code ] SSN : XXXX XXXX : XX/XX/XXXX [ Phone Number ] [ Email Address ] Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau XXXX CFPB ) TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Immediate Blocking of Fraudulent Accounts Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Sir or Madam, This letter is a formal dispute of certain fraudulent and inaccurate items currently appearing on my credit reports with TransUnion, Experian, and Equifax. I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) pursuant to the Fair Credit Reporting Act ( FCRA ).

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that all three consumer reporting agencies block the fraudulent and inaccurate information within 4 business days of receiving this notice, as the disputed accounts are a result of identity theft and were not authorized by me.

Fraudulent Accounts to Be Deleted : XXXX. XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Opened : XX/XX/XXXX Notes : Account previously deleted, but still reappears with XXXX late paymentsthis is inaccurate and unauthorized. 
XXXX. XXXX XXXX XXXX : XXXX New XXXX XXXX XXXX XXXX XXXX, DE XXXX Opened : XX/XX/XXXX Notes : This account is fraudulent and was not opened by me. 
XXXX. XXXX XXXX / XXXX Opened : XX/XX/XXXX Notes : Fraudulent and not authorized. 
4. Hard Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX Notes : I did not authorize this inquiry ; it is fraudulent. 

These entries are false and have adversely affected my credit. I am asserting my right to privacy under 15 U.S.C. 1681 Section 602 ( A ), which affirms my right to accurate and confidential handling of my credit information. Further, 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) states that no consumer reporting agency shall furnish a consumer report without the consumers written instruction or authorization. I have never authorized these accounts or inquiries. 

Requested Action : Immediately investigate and permanently delete the listed accounts and inquiries from my credit file.

Block all information related to the above accounts pursuant to FCRA 605B within 4 business days of receiving this request.

Provide written confirmation of the actions taken as a result of this dispute.

Please treat this as a formal dispute in compliance with federal law. Attached are copies of my identification and proof of residence, as required. 

Thank you for your attention to this serious matter. 

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 non-monetary relief
Consumer complaint received 2025-05-13 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: OH

Complaint narrative:
XXXX XXXX [ Your Current Address ] [ City, XXXX, ZIP Code ] SSN : XXXX XXXX : XX/XX/XXXX [ Phone Number ] [ Email Address ] Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau XXXX CFPB ) TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Request for Immediate Blocking of Fraudulent Accounts Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Sir or Madam, This letter is a formal dispute of certain fraudulent and inaccurate items currently appearing on my credit reports with TransUnion, Experian, and Equifax. I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) pursuant to the Fair Credit Reporting Act ( FCRA ).

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that all three consumer reporting agencies block the fraudulent and inaccurate information within 4 business days of receiving this notice, as the disputed accounts are a result of identity theft and were not authorized by me.

Fraudulent Accounts to Be Deleted : XXXX. XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Opened : XX/XX/XXXX Notes : Account previously deleted, but still reappears with XXXX late paymentsthis is inaccurate and unauthorized. 
XXXX. XXXX XXXX XXXX : XXXX New XXXX XXXX XXXX XXXX XXXX, DE XXXX Opened : XX/XX/XXXX Notes : This account is fraudulent and was not opened by me. 
XXXX. XXXX XXXX / XXXX Opened : XX/XX/XXXX Notes : Fraudulent and not authorized. 
4. Hard Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX Notes : I did not authorize this inquiry ; it is fraudulent. 

These entries are false and have adversely affected my credit. I am asserting my right to privacy under 15 U.S.C. 1681 Section 602 ( A ), which affirms my right to accurate and confidential handling of my credit information. Further, 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) states that no consumer reporting agency shall furnish a consumer report without the consumers written instruction or authorization. I have never authorized these accounts or inquiries. 

Requested Action : Immediately investigate and permanently delete the listed accounts and inquiries from my credit file.

Block all information related to the above accounts pursuant to FCRA 605B within 4 business days of receiving this request.

Provide written confirmation of the actions taken as a result of this dispute.

Please treat this as a formal dispute in compliance with federal law. Attached are copies of my identification and proof of residence, as required. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Unverified Information on Credit Report I am writing to formally dispute inaccurate and unverified information currently appearing on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. However, the following item ( XXXX ) appear to be inaccurate and have not been properly verified despite previous disputes : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you immediately investigate this matter and provide a detailed report of how this information was verified. If the account ( XXXX ) can not be verified, I demand that you remove them from my credit file promptly, as required by law. Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursuing legal remedies if this issue is not corrected within the timeframe provided by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kingston Data & Credit International Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding a debt collection account reported by Kingston Data and Credit International on my credit report. I do not recognize this debt, and no clear information has been provided regarding the original creditor, the amount owed, or the basis for the collection.

I submitted a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), but Kingston has not provided any sufficient documentation to prove that the debt is mine, or that the amount is accurate.

This lack of validation and unclear reporting violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ). The debt is negatively impacting my credit score, and I have been unable to verify its legitimacy.

Additionally, the credit report entry lacks critical information including the original account details and appears to be inaccurately reported.

I respectfully request that Kingston Data and Credit either : Provide full and complete documentation validating this debt, or Immediately remove the account from my credit report with XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: 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 explanation
Consumer complaint received 2025-05-13 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report ; they are 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
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Original credit grantor XXXX XXXX XXXX for account : XXXX Can not remove or update late payment reported to credit bureaus for XXXX, XXXX, and XXXX of XXXX have attached proof of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: OH

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover closed my long standing account at the end of 2024. I was away for the XXXX  and did not receive any communication about the account closure. Frequently, Discover told me that I could not use my account after a late charge, but made no mention of closing my account. This left me with no credit card upon my return from XXXX XXXX and a tanked credit score.

Company response to consumer: Closed with explanation