vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX BANK # XXXX XXXX. XXXX  XXXX BANK # XXXX XXXX. XXXX  XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XX/XX/XXXXXXXX # XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( 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 2025-07-02 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: AZ

Complaint narrative:
This letter serves as my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX BANK # XXXX XXXX. XXXX  XXXX BANK # XXXX XXXX. XXXX  XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XX/XX/XXXXXXXX # XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( 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 2025-07-02 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-07-02 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
I am writing to formally follow up on a previous dispute regarding an unauthorized hard inquiry that continues to appear on my Equifax credit report, despite prior requests for investigation and removal. 
I am extremely disappointed with Equifaxs ongoing failure to resolve this issue. Other credit reporting agencies have already addressed similar concernsyet Equifax has not taken appropriate action in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I check my credit report and see multiple auto loans, a house mortgage, credit cards, and charge cards that do not belong to me. House mortgage of XXXX XXXX dollars was made in XXXX XXXX XXXX and i was XXXX at the time. XXXX accounts from XXXX XXXX XXXX  with XXXX auto loans and XXXX credit cards that were made from the years XXXX. A cbna credit cards that is at its % XXXX usage with a XXXX XXXX dollar limit. I have nothing to do with that and the multiple auto loans and credit cards that are showing up on my credit report. I strongly believe this is identity theft and would like to get this resolved as soon as possible.

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 2025-07-02 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: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I check my credit report and see multiple auto loans, a house mortgage, credit cards, and charge cards that do not belong to me. House mortgage of XXXX XXXX dollars was made in XXXX XXXX XXXX and i was XXXX at the time. XXXX accounts from XXXX XXXX XXXX  with XXXX auto loans and XXXX credit cards that were made from the years XXXX. A XXXX  credit cards that is at its % XXXX usage with a XXXX XXXX dollar limit. I have nothing to do with that and the multiple auto loans and credit cards that are showing up on my credit report. I strongly believe this is identity theft and would like to get this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robinhood closed my account on XX/XX/year>. I contacted the customer support on XX/XX/XXXX and was told that my account was closed and my money will be refunded in 15 business days. I waited for 15 business days, but the money was still not back. Then I contacted Robinhood again. This time, I was told to wait for another 120 days. I don't think this is reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 contacting you regarding a collection account that has been inaccurately listed on my credit report. After thoroughly reviewing my financial records, I can confirm that I never entered into any contractual agreement with the party reporting this debt, nor have I received any statements or notices concerning this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TN

Complaint narrative:
I was utterly shocked and XXXX  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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 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: TN

Complaint narrative:
I was utterly shocked and XXXX  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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
This is my third formal complaint against Experian, TransUnion, and Equifax for their continued failure to remove fraudulent accounts and unauthorized inquiries from my credit report. Despite my previous dispute, including a notarized affidavit, the credit bureaus have failed to conduct a proper investigation, instead auto-verifying these accounts in clear violation of the Fair Credit Reporting Act ( FCRA ). Fraudulent Accounts to Be Deleted Immediately : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  * ( TransUnion, Experian ) XXXX XXXX Account # XXXX * ( TU ) Unauthorized Inquiries to Be Deleted Immediately : XX/XX/XXXX XXXX  ( EX XXXX XX/XX/XXXX XXXX ( TU, EX, EQ ) XX/XX/XXXX XXXX  XXXX ( TU, EX ), XXXX ( EQ ) XX/XX/XXXX XXXX  XXXX ( EX ), XXXX XXXX XXXX ( EX ), XXXX  ( EQ ) XX/XX/XXXX XXXX  XXXX ( XXXX, ) XX/XX/XXXX XXXX  ( EQ ) Legal Violations & Required Action XXXX. Violation of FCRA 1681i Failure to Conduct a Proper Investigation Credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. Simply verifying with the creditor without reviewing the notarized affidavit is not a proper investigation. 2. Violation of FCRA 1681e ( b ) Failure to Maintain Accurate Information The FCRA requires Experian, TransUnion, and Equifax to ensure the maximum possible accuracy of credit reports. Continuing to report fraudulent and unverifiable accounts is a clear violation of this obligation. 3. Violation of FCRA 1681c-2 Failure to Block Fraudulent Information Per FCRA 1681c-2, credit bureaus must block identity theft-related accounts when a valid identity theft report is submitted. My notarized affidavit satisfies this requirement, yet the fraudulent accounts remain. XXXX. Violation of FCRA XXXX681n & 1681o Willful and Negligent Noncompliance Since this is my second dispute, the credit bureaus are now in willful noncompliance, which is subject to statutory damages of up to {$1000.00} per violation, plus punitive damages and attorney fees. Resolution Demanded Permanent deletion of all fraudulent accounts and unauthorized inquiries listed above. Written confirmation of removal within the legally required timeframe. Cease further auto-verification and conduct a real investigation, including a review of the notarized affidavit. If this issue is not resolved promptly, I will escalate this matter further, including formal complaints with the FTC, my state Attorney General, and potential legal action for FCRA violations. Please confirm receipt of this dispute and provide a clear timeline for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am the victim of identity theft, and TransUnion is reporting fraudulent accounts and hard inquiries that I did not authorize or open. I have submitted an FTC Identity Theft Affidavit under penalty of perjury, and placed a fraud alert with all bureaus. 

I am demanding immediate removal and blocking of the following accounts and inquiries pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

Fraudulent Accounts on TransUnion 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 TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft. Experian is reporting fraudulent accounts and hard inquiries that I never applied for, authorized, or opened. I have placed a fraud alert and submitted an FTC Identity Theft Affidavit. Under 15 U.S.C. 1681c-2, I demand these be removed and blocked permanently. 

Fraudulent Accounts on Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX am the victim of identity theft. Equifax is reporting multiple fraudulent accounts and inquiries that were not initiated or authorized by me. I have submitted an FTC Identity Theft Affidavit and have placed fraud alerts with all bureaus. Under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, these items must be blocked from my credit file. 

Fraudulent Accounts on Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am the victim of identity theft, and TransUnion is reporting fraudulent accounts and hard inquiries that I did not authorize or open. I have submitted an FTC Identity Theft Affidavit under penalty of perjury, and placed a fraud alert with all bureaus. 

I am demanding immediate removal and blocking of the following accounts and inquiries pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

Fraudulent Accounts on TransUnion 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 TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft. Experian is reporting fraudulent accounts and hard inquiries that I never applied for, authorized, or opened. I have placed a fraud alert and submitted an FTC Identity Theft Affidavit. Under 15 U.S.C. 1681c-2, I demand these be removed and blocked permanently. 

Fraudulent Accounts on Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX am the victim of identity theft. Equifax is reporting multiple fraudulent accounts and inquiries that were not initiated or authorized by me. I have submitted an FTC Identity Theft Affidavit and have placed fraud alerts with all bureaus. Under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, these items must be blocked from my credit file. 

Fraudulent Accounts on Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief