vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: OK

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 



Details of the Dispute : I am disputing the following account that appears on my credit report, which I believe to be the result of identity theft : Creditor Name : XXXX Credit Card Account Type : Revolving Status : Closed / Past Due Balance : {$7000.00} Amount Past Due : {$790.00} Date Opened : XX/XX/year> Condition : Closed Responsibility : Joint I did not open or authorize this account. I have never held a credit card with XXXX, nor did I give anyone permission to open this account on my behalf. This is a fraudulent account created using my personal identifying information without my knowledge or consent.

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete this fraudulent XXXX Credit Card account from my credit report.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am also formally requesting debt verification. This means the furnisher ( XXXX ) and the credit bureaus must provide documented proof such as a signed contract or original application showing that I authorized this account. If this evidence can not be produced, the account must be permanently removed from my file.

Compensation for False Verification : Per FCRA 616 ( 15 U.S.C. 1681n ), if this account is falsely verified as accurate despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation, in addition to any actual or punitive damages.

Supporting Documentation Provided : Identity theft report ( police report or FTC affidavit ) Government-issued photo ID Requested Actions : 1. Immediate blocking and deletion of the fraudulent XXXX Credit Card account. 
2. Full debt verification from XXXX or any other furnisher involved. 
3. Written confirmation that the account has been removed. 
4. Notification to XXXX to cease reporting unverifiable information. 
5. An updated copy of my credit report showing these corrections.

I expect confirmation in writing that this dispute has been resolved in full compliance with the Fair Credit Reporting Act. Please be advised that failure to comply may result in further legal action.

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 2025-04-15 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: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. Moreover, they didn't follow the proper XXXX step validation procedure which makes this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. XXXX, I believe the company performed a soft pull on my credit without my authorization, which is a violation of my rights. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) establish clear guidelines and procedures to protect consumers, yet it is evident that these laws were not followed in this situation. Their disregard for these regulations reflects poor practices that must be addressed 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 2025-04-15 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 non-monetary relief
Consumer complaint received 2025-04-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Please review the complaint against AMERICAN EXPRESS. The information is in the letter and the attachments. The complaint also involves the three ( 3 ) credit reporting agencies, XXXX, XXXX, and XXXX for reporting false, nonverifying information. This period of reporing has gone over for seven ( 7 ) years. After the years of trying to get this account correct, if the investigative research comes back without facts, I command the account be removed. 
AMERICAN EXPRESS has also refused to follow up on a payment sent to their corporate headquarters. My negotiable instrument was never returned or acknowledged. 
Lastly, my information was sent to a nonaffiliated organization, without my consent or approval which is a violation of my privacy. 
I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
FORMAL DISPUTE LETTER : EXPERIAN CREDIT INFORMATION CORRECTION DATE : XXXX XXXX, 2025 TO : Experian Information Services XXXX XXXX XXXX, TX XXXX FROM : XXXX XXXX XXXX XXXX, LA XXXXPhone : XXXXEmail : XXXX RE : Correction of Consumer Information - Consumer ID : XXXXReference : Address Identification Number : XXXX FORMAL NOTICE OF DISPUTE AND DEMAND FOR CORRECTION This correspondence constitutes a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate personal identifying information maintained in my consumer credit file. 
INFORMATION REQUIRING IMMEDIATE CORRECTION My legal name XXXX XXXX is incorrectly reported as XXXX XXXX XXXX in your system. This discrepancy violates multiple provisions of federal law and industry standards for credit reporting accuracy. 
LEGAL BASIS FOR DISPUTE - XXXX XXXX XXXX CASE PRECEDENT I specifically reference the landmark case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), wherein the court affirmed that maintaining inaccurate identifying information constitutes a willful violation of the FCRA. Though this case involved XXXX, the legal principles established apply equally to all consumer reporting agencies, including Experian. 
The continued reporting of my name with an incorrect middle initial, despite previous correction attempts, demonstrates a pattern of negligent and/or willful non-compliance with your statutory obligations under : XXXX. FCRA Section 607 ( b ) - Failure to follow reasonable procedures to assure maximum possible accuracy 2. FCRA Section 611 ( a ) - Failure to properly reinvestigate disputed information XXXX. Metro 2 Format Requirements - Violation of Base Segment/Field 5 standards for consumer identification

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a third formal complaint regarding the continued and unlawful reporting of an inaccurate late payment by Experian on my credit file. 

Despite submitting my second dispute on XX/XX/XXXX, the bureau responded only with a generic " verified '' status without providing any supporting documentation, manual review, or disclosure of investigatory procedures. The verification was clearly automated through systems such as E-OSCAR, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : Account Type : Credit Card Account Number : XXXX Date of Reported Late Payment : XX/XX/XXXX This inaccuracy has caused severe damage to my credit profile, including increased interest rates, declined applications, and limited financial opportunity. By continuing to report this information after two formal disputes, and failing to perform a lawful reinvestigation, the bureau has : Violated 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy.

Violated 15 U.S.C. 1681i ( a ) by failing to conduct a reasonable and timely reinvestigation.

Violated 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) by failing to notify other CRAs of deletion ( if applicable ).

Violated TILA ( 15 U.S.C. 1637 ( b ) ; 12 CFR 1026.5 ) due to lack of billing notice by the creditor.

Violated 12 CFR 1022.42 ( Regulation V ) by lacking procedures to prevent the reporting of inaccurate data.

Violated 12 U.S.C. 5531 ( UDAAP ) by engaging in unfair and deceptive conduct. 

Furthermore, I cite the following precedents and enforcement actions in support of my complaint : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Investigations must be manual and reasonable. 

XXXX v. Experian, XXXX XXXX XXXX Bureaus can not solely rely on furnishers. 

XXXX v. XXXX, XXXX XXXX XXXX Failure to investigate led to {$2.00} XXXX in damages. 

CFPB v. Experian, XXXX. XXXX ( XXXX XXXX, XXXX ) Allegations of sham dispute processes. 

CFPB XXXX XXXX XXXX, XXXX XXXX, XXXX {$15.00} XXXX penalty for dispute handling failures. 

I am attaching the formal legal notice sent to the bureau with detailed legal citations, as well as recent billing evidence for further context.

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 2025-04-15 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX, Bal- {$530.00}, opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$330.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX, Bal- {$1500.00}, opened : XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
This company failed to verify the debt and continued to try make contact with me after I had ordered them to stop. They continued to call and harassed me during my hours of work and after hours and late night phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Credit Control, LLC
State: VA

Complaint narrative:
FCRA law says that if your information is exposed it was a data breech and must be removed

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 2. Johnson v. Wells Fargo Bank, N.A., XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.3. Soutter v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages.4. Dixon-Rollins v. Experian Info. Sols., Inc. , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 5. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. These precedents highlight the legal risks of noncompliance with FCRA obligations. Disputed Accounts : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
According to the NYC bankruptcy court filing sallie mae signature student loans and tuition answer loans are not covered under by the student loan non dischargeable loans and was bankrupt in my 2010 bankruptcy and they sold the bankrupt loan to XXXX and at the time did not even have a license to lend money in NYS and could not be a student loan company. They have harassed me for years and i am due payment for all of my payments made after my bankruptcy discharge in 2010. They are no XXXX they continue to harrass me for loans that were discharged in my bankruptcy over 15 years ago. Please see discharge order from court.

Company response to consumer: Closed with explanation