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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance {$370.00} XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$5600.00} XXXX XXXX XXXX Balance {$9100.00} XXXXXXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXXXXXX Balance {$4600.00} XXXX XXXX XXXXXXXX Balance {$2400.00} XXXX XXXXXXXX Balance {$360.00} XXXXXXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: EQUIFAX, 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 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
Somebody fraudulently accessed my account and transferred funds from my Current banking app into their XXXX XXXX  account and used my virtual card for two XXXX XXXX transactions, as well as a charge at XXXX XXXX. I disputed these transactions and provided a police report. The police report had the suspect 's name and address and contained all pertinent information regarding these transactions yet Current so far has denied two of these transactions while several are still being reviewed.

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: CA

Complaint narrative:
I am sending to formally dispute the reporting of a charge-off account listed on my credit report under the name of XXXX XXXX XXXX XXXX XXXX {$16000.00}. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate, incomplete, unverifiable, or misleading.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 non-monetary relief
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: NC

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 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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
i have a letter explaining that these debts and inquires are not mines Accounts transworld systems i {$450.00} XXXX {$1600.00} with 2 late payments INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest repossessed my vehicle in XX/XX/XXXX, but they continue to report this account with a past due balance and monthly updates into XXXX. The account is closed, yet the tradeline reflects ongoing delinquency, which is inaccurate and unlawful under the Fair Credit Reporting Act. They have not provided any post-repossession accounting, sale notice, or documentation to justify the balance. This reporting is misleading, re-ages the debt, and causes continued credit harm. I am demanding immediate deletion of the tradeline and appropriate compensation for the financial and emotional damage caused by this unlawful reporting. I also want to be clear that I will not sign any general release, non-disparagement clause, or confidentiality agreement as a condition of resolution. Under FDCPA 808 ( 6 ), it is unlawful to require a consumer to waive their rights in exchange for settlement.

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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX

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: NC

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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